Business Analyst II - (Credit Risk)

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 Role : ● Monitoring the delinquent account to ensure the achievement of Company standards ● Evaluation of stability of underwriting models and identifying policy actions to be taken to either increase approval rates for business growth or reduce it for high risk segments ● Develop and Maintain loss forecasting models and ECL provisioning required for accounting purpose ● Set up right portfolio monitoring and early warning alerting system to keep a check on health of our loan book ● Evaluate data required for decisions, identify sources of appropriate data, own up the sanity/accuracy of available data, ensure transformations for right decision making ● Define metrics through the business processes for clear measurability and to deep-dive into processes to identify areas of improvements ● Identify opportunities of improvement in product & process flows through exploratory analysis and Driving customer segmentation to come up with insights on customization for various customer groups ● Define analytical frameworks to gain insights on correlations/causality ● Work with the engineering & data platform team to drive data availability & reliability. Desired Candidate Profile : ● Experience in handling multiple stakeholders. ● Startup mindset. ● Team building skills ● Experience on SQL, any BI platform (Tableau, PowerBI, Qlikview, Looker, Quicksight etc) ● Understanding of basic statistical concepts (Sampling, Distributions, Central tendency, Hypothesis testing etc) ● Basic understanding of data platforms and ETL processes ● Ability to identify relevant data to solve business problems and (in)validate hypothesis ● (Good to have) Prior data modeling experience in R/Python and some classification and/or regression techniques ● (Good to have) Prior experience / understanding of lending/insurance/banking domain would be a plus Show more Show less