Associate Manager II - Credit Intelligence

About the Team

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organization. The Credit Intelligence team, part of the Risk function at Navi, focuses on studying granular customer level data to gather deep insights that feedback into improving credit underwriting, as well as any strategic initiatives to enhance user engagement.

About the Rol

eAs part of the Credit Intelligence team, you will work on understanding customer behaviour and identifying risks and opportunities across lending and other products. The role involves analysing case-level and portfolio-level data to generate insights that improve underwriting, product decisions, and overall business performance

.You will work closely with teams across Product, Analytics, and Risk to translate these insights into actionable changes. This includes identifying gaps in current policies, building new signals or cohorts, and supporting their implementation

.The role requires a mix of detailed case-level analysis and broader portfolio thinking, along with the ability to work with different data sources such as bureau, bank statements, and internal behavioural data. You will also get exposure to using AI/LLM-based tools to scale analysis and improve efficiency

.
Key Responsibiliti

• esWork closely with Lending, Product, Analytics and Policy teams to identify emerging credit risks and business opportunities through deep portfolio and case-level analys
• isLead detailed reviews of default cases to identify underwriting gaps, risky behaviours, and new negative signa
• lsAnalyse borrower-level and portfolio-level data across multiple sources such as bureau, bank statements, SMS, and internal behavioural data to generate actionable insigh
• tsIdentify policy implementation gaps and recommend improvements in underwriting strategies, approval logic, and feature usa
• geEvaluate the effectiveness of underwriting strategies and ML models through structured hindsighting and outcome validati
• onDrive end-to-end execution of recommendations including cohort creation, risk separation analysis, and stakeholder alignment through to implementati
• onLeverage LLM-based tools and automation frameworks to scale case reviews, insight generation, and hypothesis testi
• ngThe approach to this role will involv
• e:Deep case reviews to understand why customers defaulted or performed we
• llHypothesis building and validation on large datase
• tsCreation of negative signals, swap-in cohorts, and new underwriting featur
• esContinuous monitoring of policy changes and their impact on portfolio risk and busine

ssMust Hav

• esStrong analytical thinking with ability to break down complex problems from first principl
• esHigh ownership and execution mindset; ability to independently drive problem statements end-to-e
• ndComfort working with large datasets and multiple data sources (bureau, alternate data, behavioural signal
• s)Prior exposure to credit risk, digital lending digital first products, analytics, or fintech ecosystems is preferr
• edCuriosity-driven mindset with ability to identify patterns, edge cases, and hidden risk behaviou
• rsStrong stakeholder management skills across Product, Analytics, and Risk tea
• msBasic familiarity with AI/LLM-assisted analysis (or willingness to learn) will be a strong advanta

ge
About N

aviWe are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our offerings include a range of financial products and services across Loans, Insurance, Mutual Funds, Digital Gold and U

PI.Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India's fastest-growing financial services organisations. But we're just getting start

ed!To know more about us, our work, people, culture, values etc., check out navi.com/caree

rs.Our Cult

ureAt Navi, we're a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether you're shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a differen

ce.We're guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/careers/values-at-navi to see what drives us every d

ay.If this feels like you, Navi is the place to grow, thrive and make a real impa