Hiring Manager :: Akshat Pandey
Team :: C2
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 Indianswith 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 team