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.
We are looking for a highly curious and structured thinker to join our Credit Strategy team as a Model Strategist. This is not a model-building role — this is a strategy role designed for those who deeply understand models, but want to influence how and why they are used, rather than just code them.
You’ll be at the center of product, data science, and business — guiding model selection, challenging model performance, and shaping solver logic to help us maximize disbursal while keeping credit costs tightly controlled.
This is a rare role that combines system-level thinking with real business impact — perfect for data scientists or quantitative analysts who want to move closer to high-stakes decision-making.
Evaluate and challenge model performance across risk segments, funnel stages, and product variants
Drive model selection logic — decide which model to use when, and how to blend multiple signals
Brainstorm on modelling techniques, data handling, exclusions etc to fundamentally improve model performance
Collaborate with DS to recommend better feature sets, inputs, and architecture hypotheses
Own solver logic and trade-off frameworks (approval rate vs. ACL)
Lead test-and-learn initiatives in underwriting experiments
Influence end-to-end underwriting strategy with a precision-first lens
Strong background in data science, credit analytics, or risk modeling (3+ years)
Strong research-oriented mindset with hands-on experience with building and evaluating ML models, especially in lending or financial domains
Deep understanding and practical experience with modern ML and deep learning techniques
Ability to command peer-level respect from data science teams through technical credibility and insight
Deep curiosity about how models drive business outcomes, not just accuracy
Strong problem-solving ability and structured thinking
Master’s or Bachelor’s degree in Computer Science, Electrical Engineering, Mathematics, Economics, or another quantitative discipline
PhD in Data Science / ML / Statistics from a reputed institution is a strong plus
Bonus: Exposure to lending/fintech/credit cards/BNPL/startups/consulting
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!
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.