Senior Manager - Credit Strategy

About the Team

The Credit Strategy team at Navi is responsible for developing and optimizing underwriting strategies across our key lending products. The team owns and drives key underwriting metrics, asset quality indicators and portfolio monitoring while ensuring that credit decisions align with business objectives and risk tolerance of the Company. This team focuses on continually enhancing underwriting quality and portfolio health to support sustainable growth.

About the Role

This role offers an opportunity to be an integral part of the team that is scaling up the Personal and/or Housing Loans business at Navi. It involves owning end-to-end credit policies from creation to implementation for different customer segments, portfolio management and monitoring credit metrics. You'll have the opportunity to apply cutting-edge techniques to real-world challenges, while collaborating closely with cross-functional teams such as product, analytics, business and data science to deliver measurable business impact. This isn't just a role - it's a chance to contribute to the future of fintech through innovative, high-ownership work that makes a visible difference

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Must Have

s Highly analytical and has the ability to find patterns in data and analyze potential impact against key credit risk metrics and business drive

rs Ability to work in a fast-paced environment and be a self-start

er Takes initiative and can think of new approaches to problem-solvi

ng Work in a dynamic environment of business, structure problems, define and track actionabl

es Excellent verbal & written communication skills, as well as presentation skil

ls Working knowledge of SQL, Excel, Tableau. Python would be a pl

us Graduation from top IIT, with 3-6 years of experience (preferred but not mandatory) / MBA from a top 4 B-school with up to 5-6 years of experien

ce
What We Expect From Y

ou Be part of and develop a high impact team fostering a culture of learning and growth mind

set Drive development of risk based credit strategies and amount strategies to maximize approvals within specific segments while also minimizing credit risk; own portfolio risk metrics - Bounces, PAR metrics, Roll rates

etc Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific rang

es. Monitor various operational metrics and develop alerting mechanisms to maintain process efficie

ncy Maintain high level of collaboration with Navi's Data Science (DS) team in developing extensive range of credit underwriting models for the entire lifecycle - from conceptualization to deployment, model validation and optimizat

ion Working towards continuous improvement (through testing and calibration) of DS models ranging across underwriting, parsing, income assessment

etc Innovate and experiment with various new data sources for underwrit

ing Work on identification of emerging credit risks across portfolio, and drive key initiatives to help achieve objectives of credit risk mitigat

ion Collaborate with several stakeholder functions, such as Business, Analytics, Tech, Product, Collections to achieve these outco

mes The approach to this role will invol

ve: Reviewing credit underwriting outcomes across various cuts - borrower level, segment level, parameter level, etc to gather credit insights and make necessary policy modificatio

ns, Identifying policy implementation gaps and making necessary improvemen

ts. Evaluate data sources - including alternate data sources for digital underwriting of personal / housing lo

ans Objective assessments to verify outcomes driven by credit underwriting strategies and drive continuous improvem

ent Own the recommendations made from this process, and action items linked for appropriate conclusi

ons Streamlining processes to manage risks and enhance efficienc

ies
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 experien

ces.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 sta

rted!
Our C

ultureAt 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 diffe

rence.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 ever

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