About Navi Navi is one of the fastest-growing financial services companies in India providing Personal & Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navi's mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences.
Founders: Sachin Bansal & Ankit Agarwal
Know what makes you a "Navi_ite": Perseverance, Passion and Commitment:Passionate about Navi's mission and vision.Demonstrates dedication, perseverance and high ownership.Goes above and beyond by taking on additional responsibilities.Obsession with high quality results:Consistently creates value for the customers and stakeholders through high quality outcomes.Ensuring excellence in all aspects of work.Efficiently manages time, prioritizes tasks, and achieves higher standards.Resilience and Adaptability:Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility.Credit Team @Navi: At Navi, the Credit team is at the core of building scalable, robust and advanced underwriting solutions with capabilities of sharp risk separation. We are at the forefront of using a wide range of – previously unexplored – alternate data to develop models and policies which are set to redefine the future of digital underwriting. Our team constantly questions the status quo, applies first principles approach to problem solving and brings innovation in credit assessment that drives business growth and enhances customer experience while limiting risk.
We collaborate with a diverse set of stakeholders – both internal and external, dig deep to solve fundamental problems and chase continuous improvement. Join us to be part of a high performing team that is excited by challenges and pushes boundaries of possibilities.
What you can expect from the role: Develop risk based credit policies and amount strategies to maximize approvals within specific segments while also minimizing credit risk.Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency.High level of collaboration with Navi's Data Science (DS) team in developing extensive range of credit underwriting models for the entire lifecycle - from conceptualization to deployment, model validation and optimization.Working towards continuous improvement (through testing and calibration) of DS models ranging across underwriting, parsing, income assessment etc.Innovate and experiment with various new data sources for underwriting.What we are looking for: Bachelor's or Master's in Engineering / Economics / Statistics or equivalent / CA / MBA from premier institutes.5+ years of experience in retail credit risk.Prior data modelling experience in R/Python and some classification and/or regression techniques; knowledge of SQL.Ability to find patterns in data and analyze potential impact against key risk drivers.Work in a dynamic business environment, structure problems, define and track actionables.Excellent verbal & written communication skills, as well as presentation skills.Bonus: knowledge of tree-based techniques (e.g., Random Forests, XGBoost), hypothesis testing, simulations, and optimizations.
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