Data Scientist - 2

About the Team

The Data Science team at Navi plays a central role in building intelligent solutions that power our products and drive business impact. We work across key domains such as Lending, Collections, KYC, UPI Growth and Ads recommendation, applying advanced machine learning/deep learning/GenAI techniques to solve high-impact challenges. Our work involves a diverse range of data types—including text, image, and tabular data—and we closely collaborate with cross-functional teams like Product, Business, Engineering, etc. to deliver end-to-end solutions.

About the Role

As a Data Scientist 2 at Navi, you’ll be an integral part of a team that’s building scalable and efficient solutions across lending, insurance, investments, and UPI. You won’t just be solving predefined problems - you’ll help define them, working hands-on across a variety of domains. In this role, you would be expected to lead projects and create real business impact for Navi. You’ll have the opportunity to apply cutting-edge techniques to real-world challenges, while collaborating closely with cross-functional teams 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.

What We Expect From You

• Design, develop,

  and

  deploy

  end-to-end data science solutions that address complex business problems across

  lending, insurance, investments,

  and

  payments.

• Collaborate with

  cross-functional teams

  including

  product, engineering

  , and

  business

  to identify opportunities for data-driven impact.
• Work with diverse

  data modalities

  such as

  tabular data, text, audio, image,

  and

  video

  to build predictive models and intelligent systems.
• Continuously explore and implement state-of-the-art techniques in

  machine learning, deep learning, NLP, computer vision, and Generative AI.

• Drive experimentation and rapid prototyping to validate

  hypotheses

  and scale successful models to production.

• Monitor, evaluate,

  and

  refine

  model performance over time, ensuring

  reliability

  and alignment with business goals.
• Contribute to building a strong data science culture by sharing

  best practices, mentoring peers,

  and actively participating in

  knowledge-sharing sessions.

Must Haves

• Bachelor's

  or

  Master's

  in

  Engineering

  or equivalent.

• 2+

  years of

  Data Science/Machine Learning

  experience.
• Strong knowledge in

  statistics, tree-based techniques

  (e.g., Random Forests, XGBoost), machine learning (e.g., MLP, SVM),

  inference, hypothesis testing, simulations, and optimizations.

• Bonus: Experience with

  deep learning techniques.

• Strong

  Python programming

  skills and experience in building Data Pipelines in

  PySpark

  , along with feature engineering.
• Proficiency in

  pandas, scikit-learn, Scala, SQL,

  and familiarity with

  TensorFlow/PyTorch

  .
• Understanding of

  DevOps/MLOps,

  including creating

  Docker containers

  and

  deploying

  to production (using platforms like Databricks or Kubernetes).

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.

Sachin Bansal & Ankit Agarwal

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.