About the Team
The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organisation. The Credit Intelligence team, part of the Risk function at Navi, focuses on studying granular customer level data to gather deep insights that feedback into improving credit underwriting, as well as any strategic initiatives to enhance user engagement.

About the Role
Navi is looking for someone in Credit Risk to join the Group Risk function, focusing on quantitative risk management across credit portfolio and model risk. The role involves supporting the development, validation, and ongoing monitoring of credit decisioning models and underwriting strategies. You will work closely with cross-functional teams to deliver insights that guide business decisions, manage credit risk exposure, and contribute to key risk analytics initiatives including stress testing, portfolio diagnostics, and macroeconomic scenario modelling. This is a high-impact role requiring robust analytical acumen, comfort with quantitative methods,



and the ability to work across both structured and exploratory problem statements.

What We Expect From You
Work on the Risk function mandates related to credit & model risk management, aligning to the roadmap of planned objectives across these areas
Support quantitative risk measurement and management initiatives for the lending business. These initiatives could include:
Credit model validation / monitoring
Review of AI / ML decision models and Underwriting Strategies
Portfolio health monitoring, perform RCAs to mitigate risk
Macro-economic modeling and loss forecasting
Quantification of stress testing outputs
Help prepare outputs of risk analytics initiatives such that engagement with Senior Management, Board Committees and external stakeholders can be facilitated
Assist the Group Risk function in ad-hoc quantitative modelling & risk analytics

Must Haves
Bachelor’s/Master’s degree, preferably with specialisation in eco

📌 Associate Manager II (Bengaluru)
🏢 Navi
📍 Bengaluru