Associate Manager II - Credit Risk

About the Team

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organization. The Credit Risk team, part of the Risk function at Navi, reviews and monitors the performance of credit underwriting policies and models, ensuring timely risk interventions and data-backed decision-making to manage portfolio quality.

About the Role

This role offers a unique opportunity to build and scale credit risk management frameworks from the ground up in collaboration with credit underwriting, analytics and data science teams. It involves driving portfolio quality and credit performance across credit products, blending deep analytical thinking with strategic execution to ensure sustainable growth while managing credit losses and risk exposure in a dynamic, fast-paced environment.

What We Expect From You

• Own accountability for credit losses and portfolio quality for the lending business, collaborating with business & underwriting teams to balance growth & credit risk as per profitability targets.
• Work on the Risk function mandates related to credit & model risk management, aligning to the roadmap of planned objectives across these areas.
• Support quantitative risk measurement and management initiatives for the lending business. These initiatives could include:
• Portfolio health monitoring, perform RCAs to mitigate risk
• Find patterns in the data and come up with actionable outcomes for prudent risk management
• Help prepare outputs of risk analytics initiatives such that engagement with Senior Management, Board Committees and external stakeholders can be facilitated
• Assist the Credit Risk function in ad-hoc quantitative modeling & risk analytics

Must Haves

• Bachelor's / Master's degree, preferably with specialization in economics / statistics / quantitative finance
• Excellent problem solving skills and attention to detail
• Working knowledge of SQL, Excel, Tableau, Python.
• Ability to find patterns in data and analyze potential impact against key business drivers
• Work in a dynamic environment of business, structure problems, define and track actionables
• Excellent verbal & written communication skills, as well as presentation skills

About Navi

We 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 UPI.

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

Our Culture

At 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 difference.

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/our-values to see what drives us every day.

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