About Navi
Navi is one of the fastest-growing financial services companies in India providing Personal & Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navi's mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences.
Founders: Sachin Bansal & Ankit Agarwal
Know what makes you a Navi_ite :
1.Perseverance, Passion and Commitment
• Passionate about Navi's mission and vision
• Demonstrates dedication, perseverance and high ownership
• Goes above and beyond by taking on additional responsibilities
2.Obsession with high quality results
• Consistently creates value for the customers and stakeholders through high quality outcomes
• Ensuring excellence in all aspects of work
• Efficiently manages time, prioritizes tasks, and achieves higher standards
3.Resilience and Adaptability
• Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience
and agility
Responsibilities :
- Credit Risk Framework Development: Work closely with the business team and partner banks to establish a comprehensive credit risk management framework from the ground up, collaborating with analytics, data science, and central risk teams for the Credit on UPI product (NAVI Trezo).
- Risk Infrastructure & Monitoring: Design and implement a robust credit risk infrastructure and portfolio monitoring system in partnership with the Analytics, Tech, and Product teams.
- Underwriting & Growth Optimization: Continuously assess growth opportunities from an underwriting perspective, aiming to improve approval rates while maintaining strong risk guardrails.
- Credit Limit Strategy: Optimize the strategy for credit limit assignment and periodic revisions (including Credit Limit Increases (CLI) and Decreases (CLD)) to maximize customer spending while ensuring portfolio stability.
- Portfolio Performance & Compliance: Take ownership of credit losses, portfolio quality, and underwriting compliance, working closely with business and product teams to achieve growth and risk targets per the desired PnL objectives.
Qualifications :
- 2-4 years experience in an analytical role, preferably in consumer credit risk within B2C payments, credit cards, banks, or digital lending.
- Strong analytical mindset with attention to detail and the ability to approach problems using first principles.
- Ability to collaborate effectively with cross-functional teams while maintaining assertiveness in key decision-making processes.
- Experience or exposure in credit risk management, credit cards, BFSI, or digital lending would be preferred
- Capable of leading projects independently while also working efficiently within a team.
- Educational background in Economics, Finance, CA, or a related field is preferred.
