The efficient sizing and characterization of the load curves of distribution transformers are crucial challenges for electric utilities, especially given the increasing variability of demand, driven by emerging loads such as electric vehicles. This study applies clustering techniques and predictive models to analyze and predict the behavior of transformer demand, optimize utilization factors, and improve infrastructure planning. Three clustering algorithms were evaluated, K-shape, DBSCAN, and DTW with K-means, to determine which one best characterizes the load curves of transformers. The results show that DTW with K-means provides the best segmentation, with a cross-correlation similarity of 0.9552 and a temporal consistency index of 0.9642. For predictive modeling, supervised algorithms were tested, where Random Forest achieved the highest accuracy in predicting the corresponding load curve type for each transformer (0.78), and the SVR model provided the best performance in predicting the maximum load, explaining 90% of the load variability (R2 = 0.90). The models were applied to 16,696 transformers in the Ecuadorian electrical sector, validating the load prediction with an accuracy of 98.55%. Additionally, the optimized assignment of the transformers’ nominal power reduced installed capacity by 39.27%, increasing the transformers’ utilization factor from 31.79% to 52.35%. These findings highlight the value of data-driven approaches for optimizing electrical distribution systems.