Navi
Location
Bangalore | India
Job description
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” : 1.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 2.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 3.Resilience and Adaptability • Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility About the role Navi is launching first of its kind payments credit products to empower a large segment of Indians with payments credit access at scale! Key responsibilities: Working with the business team & partner banks to set up from scratch the credit risk management machinery by collaborating with analytics, data science & central risk teams. With strong understanding of the user segments & user behavior, collaborate with bank partners on defining processes & framework for active portfolio management, credit risk monitoring, hindsighting & other processes, & be responsible for short term & long term credit risk for the portfolio across payments credit products. Own accountability for credit losses, portfolio quality as well as approval rates for the business, collaborating with business & product teams to balance growth & credit risk as per the target PnL. What we are looking for: At least 3 years of overall work experience. Additionally, at least 2 years of experience in consumer credit risk teams at B2C payments companies/ credit card companies or banks/ non-banks, is strongly preferred.. Excellent analytical skills and eye to detail, to be able to look at problems using first principles Strong understanding of alternative data sources, technology and data-science led underwriting. Experience or exposure to credit/credit risk management or related areas across Credit Cards, BFSI & Digital lending would be preferred, but not mandatory Educational background in economics, CA, financial strategy, credit would be relevant Collaborative as well as assertive in interactions with stakeholders Ability to work and drive projects independently as well as with teamJob tags
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