Manager - Personal Loan Credit Strategy

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 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 IIT, 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

● Lead 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 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

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.