Credit Strategy

Location: Bangalore

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 chance 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.

Must Haves
● Highly analytical and has the ability to find patterns in data and analyze potential impact against key credit risk metrics and business drivers
● Ability to work in a fast-paced environment and be a self-starter
● Takes initiative and can think of new approaches to problem-solving
● Work in a dynamic environment of business, structure problems, define and track actionables
● Excellent verbal & written communication skills, as well as presentation skills
● Working knowledge of SQL, Excel, Tableau. Python would be a plus
● Graduation from top IIT, with 2-4 years of experience (preferred but not mandatory) / MBA from a top 4 B-school.

What We Expect From You
● Be part of and develop a high impact team fostering a culture of learning and growth mindset
● Drive devel

📌 Credit Strategy (Bengaluru)
🏢 Navi
📍 Bengaluru