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
As Economist in the Risk team, your insights and views will be key inputs in risk and business decisions for Navi at the Group, across lines of businesses. Views on macroeconomic trends, possible emerging risks and forecasts will all be used appropriately in estimating risk buffers as well as in defining risk tolerance.
Key Responsibilities
Strategic role for the Group - with a focus on the Lending business - working on developing insights for key business & strategy decision-making.
Work on providing inputs based on economic analysis & forecasting across several areas of focus for the Group; a few of these targeted areas:
Lending:
Identify and define stress scenarios & applicability of these to Navi’s customer segments, to reflect probability of such hypothetical / historical stress events.
Bring in points of view / alerts linked to emerging macroeconomic trends or asset quality movements external to the Navi portfolios.
Macro-economic analysis to assess resilience of the lending business (per asset quality, capital adequacy, liquidity sufficiency metrics) under plausible stress scenarios.
Targeted economic analyses of customer segments to share insights to the Lending business in fine-tuning the products on offer.
Assist the Lending business in reviewing, from a macroeconomic perspective, proposed revisions to existing products / launches of new products.
Strategy:
Collate views on industry performance (focused on peers) for significant business-specific metrics.
Based on these views, be able to share inferences & inputs to the Group businesses (including guidance on risk tolerance, per
📌 Associate Manager (India)
🏢 Navi
📍 India