Credit Intelligence

Navi; Bengaluru; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Navi's Risk team identifies, assesses, and mitigates risks across the organization, with the Credit Intelligence function studying granular customer data to enhance underwriting and user engagement. As part of the Credit Intelligence team, you will analyse case- and portfolio-level data to generate insights that inform underwriting, product decisions, and business performance.

You will work with Product, Analytics and Risk teams to implement changes and close policy gaps.

Qualifications

• Must demonstrate strong analytical thinking from first principles.
• High ownership and execution mindset; able to drive problem statements end-to-end.
• Comfort working with large datasets and multiple data sources (bureau, alternative data, behavioral signals).
• Prior exposure to credit risk, digital lending, analytics, or fintech ecosystems is preferred.
• Curiosity-driven mindset with ability to identify patterns, edge cases, and hidden risk behaviors.
• Strong stakeholder management across Product, Analytics, and Risk teams.
• Basic familiarity with AI/LLM-assisted analysis (or willingness to learn) will be a strong advantage.

Responsibilities

• 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 new negative signals.
• Analyse customer behaviour across lending and UPI, with portfolio data to generate actionable risk and engagement insights.
• Identify policy implementation gaps and recommend improvements in underwriting strategies and feature usage.
• Drive end-to-end execution of recommendations, including cohort creation and risk separation analysis.
• Leverage LLM-based tools to scale case reviews, insight generation, and hypothesis testing.
• Create negative signals, swap-in cohorts, and new underwriting features.
• Continuously monitor policy changes and their impact on portfolio risk and business.

Job description

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organization. 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

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 new 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
• Creation of negative signals, swap-in cohorts, and new underwriting features
• Continuous monitoring of policy changes and their impact on portfolio risk and business

Must Haves

• Strong analytical thinking with ability to break down complex problems from first principles
• High ownership and execution mindset; ability to independently drive problem statements end-to-end
• Comfort working with large datasets and multiple data sources (bureau, alternate data, behavioural signals)
• Prior exposure to credit risk, digital lending digital first products, analytics, or fintech ecosystems is preferred
• Curiosity-driven mindset with ability to identify patterns, edge cases, and hidden risk behaviors
• Strong stakeholder management skills across Product, Analytics, and Risk teams
• Basic familiarity with AI/LLM-assisted analysis (or willingness to learn) will be a strong advantage

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!

To know more about us, our work, people, culture, values etc., check out navi.com/careers.

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/careers/values-at-navi to see what drives us every day.

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