About the Role
As part of the Credit Intelligence team, you will work on understanding customer behaviour and identifying risks and opportunities across lending and other products. The role involves analysing case-level and portfolio-level data to generate insights that improve underwriting, product decisions, and overall business performance.
You will work closely with teams across Product, Analytics, and Risk to translate these insights into actionable changes. This includes identifying gaps in current policies, building new signals or cohorts, and supporting their implementation.
The role requires a mix of detailed case-level analysis and broader portfolio thinking, along with the ability to work with different data sources such as bureau, bank statements, and internal behavioural data. You will also get exposure to using AI/LLM-based tools to scale analysis and improve efficiency.
Key Responsibilities
- Work closely with Lending, Product, Analytics and Policy teams to identify emerging risks and business opportunities through deep portfolio and case-level analysis




- Lead detailed reviews of default cases to identify underwriting gaps, risky behaviours, and current negative signals
- Analyse customer behaviour across lending and UPI business, along with borrower and portfolio data (bureau, bank statements, SMS, behavioural data) to generate actionable insights on risk, retention, engagement, and monetisation
- Identify policy implementation gaps and recommend improvements in underwriting strategies, approval logic, and feature usage
- Drive end-to-end execution of recommendations, including cohort creation, risk separation analysis, and stakeholder alignment through implementation
- Leverage LLM-based tools and automation frameworks to scale case reviews, insight generation, and hypothesis testing
- The approach to this role will involve:
- Deep case reviews to understand why customers defaulted or performed well
- Hypothesis building and validation on large datasets

📌 Associate Manager II (Bengaluru)
🏢 Navi
📍 Bengaluru