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.
Job Title
Associate Manager II - Credit Strategy (Credit on UPI)