Navi – Associate Manager II – Credit Risk Navi Technologies

The Corporate Institute; Bengaluru; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Navi is seeking a Credit Risk professional to join the Group Risk function, focusing on quantitative risk management across credit portfolio and model risk. You will support development, validation, and ongoing monitoring of credit decisioning models and underwriting strategies, working with cross‑functional teams to guide business decisions.

This high‑impact role requires strong analytical acumen, familiarity with quantitative methods, and the ability to tackle both structured and exploratory

Qualifications

• Bachelor’s or Master’s in economics, statistics or quantitative finance.
• Working knowledge of AI/ML techniques in modelling.
• Proficient SQL, Excel and Tableau; Python a plus.
• Experience in financial modelling is a plus.
• Able to identify patterns and quantify business impact.
• Comfort with dynamic problem solving and actionable deliverables.
• Strong verbal and written communication and presentation skills.

Responsibilities

• Identify and mitigate risk across credit and model risk areas.
• Support validation, monitoring, and development of credit decision models.
• Collaborate with cross‑functional teams to deliver risk analytics insights.
• Contribute to stress testing, portfolio diagnostics, and macroeconomic scenarios.

Skills

SQL

Excel

Tableau

Python

AI/ML techniques

Education

Bachelor's/Masters degree in economics/stats/quantitative finance

Tools

Tableau

Job description

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 strong 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 and 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:
  1. Credit model validation / monitoring
  2. Review of AI / ML decision models and Underwriting Strategies
  3. Portfolio health monitoring, perform RCAs to mitigate risk
  4. Macro-economic modeling and loss forecasting
  5. 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 and risk analytics

Must Haves:

• Bachelors/Masters degree, preferably with specialisation in economics/ statistics/quantitative finance
• Working knowledge of AI / ML techniques in quantitative modelling
• 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 dynamic environment of business, structure problems, define and track actionables
• Excellent verbal and written communication skills, as well as presentation skills