Credit Field Intelligence

Navi; Bengaluru; On-site; INR 450,000 - 600,000; Full time

Job summary

Navi is seeking a Credit Field Intelligence Executive to conduct on-site field visits and video Personal Discussions for Home Loan and LAP applicants across Bengaluru.

You will assess borrowers' intent to pay and ability to pay by visiting their residences and business locations, analyzing informal income streams and verifying documents with accuracy and integrity.

Qualifications

• Bachelor’s degree in any stream.
• 1–3 years experience in Home Loans/LAP in NBFC/HFC.
• Fluency in local language (Kannada or Telugu) is essential.
• Own a two-wheeler and a valid driving license.

Responsibilities

• Conduct field visits and video PDs for Home Loan and LAP applicants.
• Perform income assessments for self-employed/informal income profiles.
• Verify KYC and income documents during visits.
• Prepare PD reports with geo-tagged photos and upload to Navi system.
• Coordinate with HQ Credit Managers to resolve ground-level queries.
• Uphold Navi’s ethics and zero-tolerance policy toward illicit offers.

Skills

Field visits

Income assessment

KYC verification

PD reporting

Coordination

Ethics

Education

Bachelor’s degree

Job description

The Credit Strategy team at Navi is responsible for developing, optimizing and implementing underwriting strategies across key lending products. The team owns and drives key underwriting metrics, asset quality indicators, and portfolio monitoring, ensuring that credit decisions align with business objectives and the Company's risk tolerance. Its focus is on continually enhancing underwriting quality and portfolio health to support sustainable growth.

About the Role

As a Credit Field Intelligence Executive, you are the face of Navi on the ground. Your primary responsibility is to conduct in-person field visits / video Personal Discussions (PD) for Home Loan and LAP (Loan Against Property) applicants. You will go beyond the documents to assess a borrower’s \"intent to pay\" and \"ability to pay\" by visiting their residences and places of business.

What We Expect From You

• Field Engagement: Conduct assigned field visits at customer sites / video Personal Discussions (PD) within defined Turnaround Times (TAT).
• Income Assessment: Perform manual income assessments for self-employed and formal / informal income profiles (e.g., small traders, contractors, or dairy farmers) by analyzing business activity and cash flows.
• Verification: Verify the authenticity of KYC and income documents during the visit to ensure they match the digital application.
• Reporting: Prepare detailed PD reports, including geo-tagged photographs, and upload them into Navi’s system.
• Collaboration: Coordinate closely with HQ Credit Managers to resolve any ground-level discrepancies or queries found during the visit.
• Integrity: Maintain a zero-tolerance policy toward illicit offers and uphold the highest ethical standards of the Navi OS.

Must Haves

• Experience: 1–3 years of experience in Home Loans and LAP within an NBFC or Housing Finance Company (HFC).
• Practical Skills: Ability to calculate income for \"informal\" borrowers who may lack traditional documentation.
• Communication: Excellent probing and interpersonal skills; fluency in the local language (e.g., Kannada or Telugu) is essential for effective customer discussions.
• Mobility: Ownership of a two-wheeler and a valid driving license is mandatory for field visits.
• Geographic Awareness: Strong familiarity with local business practices and geography in your assigned region.
• Education: A Bachelor’s degree in any stream.

About Navi

We are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our offerings include a range of financial products and services across Loans, Insurance, Mutual Funds, Digital Gold and UPI.

Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India’s fastest-growing financial services organisations. But we’re just getting started!

Our Culture

At Navi, we’re a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether you’re shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.

We’re guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/our-values to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive and make a real impact.