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.

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. 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. Credit model validation / monitoring

Review of AI / ML decision models and Underwriting Strategies

Portfolio health monitoring, perform RCAs to mitigate risk

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

Bachelor’s/Master’s degree, preferably with specialisation in economics/ statistics/quantitative finance

Proficient knowledge of SQL, Excel, Tableau. Python would be a plus

Experience in financial modelling would be an add-on

Ability to find patterns in data and analyse potential impact against key business drivers

Work in a agile environment of business, struc

📌 Associate Director/Director (Bengaluru)
🏢 Navi
📍 Bengaluru