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About the Team The Credit Strategy team at Navi is responsible for developing and optimizing underwriting strategies across our key lending products. The team owns and drives key underwriting metrics, asset quality indicators and portfolio monitoring while ensuring that credit decisions align with business objectives and risk tolerance of the Company. This team focuses on continually enhancing underwriting quality and portfolio health to support sustainable growth. About the Role This role offers an opportunity to be an integral part of the team that is scaling up the Personal and/or Housing Loans business at Navi. It involves owning end-to-end credit policies from creation to implementation for different customer segments, portfolio management and monitoring credit metrics. You’ll have the opportunity to apply cutting-edge techniques to real-world challenges, while collaborating closely with cross-functional teams such as product, analytics, business and data science to deliver measurable business impact. This isn’t just a role - it’s a chance to contribute to the future of fintech through innovative, high-ownership work that makes a visible difference. Must Haves Highly analytical and has the ability to find patterns in data and analyze potential impact against key credit risk metrics and business drivers Ability to work in a fast-paced environment and be a self-starter Takes initiative and can think of new approaches to problem-solving Work in a dynamic environment of business, structure problems, define and track actionables Excellent verbal & written communication skills, as well as presentation skills Working knowledge of SQL, Excel, Tableau. Python would be a plus Graduation from top IITs/BITS, with 3-6 years of experience (preferred but not mandatory) / MBA from a top 4 B-school with up to 5 years of experience What We Expect From You Be part of and develop a high impact team fostering a culture of learning and growth mindset Drive development of risk based credit strategies and amount strategies to maximize approvals within specific segments while also minimizing credit risk; own portfolio risk metrics - Bounces, PAR metrics, Roll rates etc 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 Maintain 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 Work on identification of emerging credit risks across portfolio, and drive key initiatives to help achieve objectives of credit risk mitigation Collaborate with several stakeholder functions, such as Business, Analytics, Tech, Product, Collections to achieve these outcomes The approach to this role will involve: Reviewing credit underwriting outcomes across various cuts - borrower level, segment level, parameter level, etc to gather credit insights and make necessary policy modifications, Identifying policy implementation gaps and making necessary improvements. Evaluate data sources - including alternate data sources for digital underwriting of personal / housing loans Objective assessments to verify outcomes driven by credit underwriting strategies and drive continuous improvement Own the recommendations made from this process, and action items linked for appropriate conclusions Streamlining processes to manage risks and enhance efficiencies Inside Navi We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech-first solutions that work at scale, with a strong customer-first approach. 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 The Navi DNA Ambition. Perseverance. Self-awareness. Ownership. Integrity. We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you. We chase excellence by uplifting each other—and that starts with every one of us. Why You'll Thrive at Navi At Navi, it’s about how you think, build, and grow. You’ll thrive here if: ● You’re impact-driven You take ownership, build boldly, and care about making a real difference. ● You strive for excellence Good isn’t good enough. You bring focus, precision, and a passion for quality. ● You embrace change You adapt quickly, move fast, and always put the customer first.