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Job Description
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Associate Manager II - Credit Intelligence
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
Key responsibilities:
Work closely with Lending, Product, Analytics and Policy teams to identify emerging credit risks and business opportunities through deep portfolio and case-level analysis
Lead detailed reviews of default cases to identify underwriting gaps, risky behaviours, and new negative signals
Analyse borrower-level and portfolio-level data across multiple sources such as bureau, bank statements, SMS, and internal behavioural data to generate actionable insights
Identify policy implementation gaps and recommend improvements in underwriting strategies, approval logic, and feature usage
Evaluate the effectiveness of underwriting strategies and ML models through structured hindsighting and outcome validation
Drive end-to-end execution of recommendations including cohort creation, risk separation analysis, and stakeholder alignment through to implementation
Leverage LLM-based tools and automation frameworks to scale case reviews, insight generation, and hypothesis testing
The approach to this role will involve:
Deep case reviews to understand why customers defaulted or performed well
Hypothesis building and validation on large datasets
Creation of negative signals, swap-in cohorts, and new underwriting features
Continuous monitoring of policy changes and their impact on portfolio risk and business
What we are looking for:
Strong analytical thinking with ability to break down complex problems from first principles
High ownership and execution mindset; ability to independently drive problem statements end-to-end
Comfort working with large datasets and multiple data sources (bureau, alternate data, behavioural signals)
Prior exposure to credit risk, digital lending digital first products, analytics, or fintech ecosystems is preferred
Curiosity-driven mindset with ability to identify patterns, edge cases, and hidden risk behaviours
Strong stakeholder management skills across Product, Analytics, and Risk teams
Basic familiarity with AI/LLM-assisted analysis (or willingness to learn) will be a strong advantage
About Company
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.
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.
