Job
Description
The Credit Strategy team at Navi is responsible for developing and optimizing underwriting strategies across key lending products. The team focuses on key underwriting metrics, asset quality indicators, and portfolio monitoring to ensure that credit decisions align with business objectives and risk tolerance. Continually enhancing underwriting quality and portfolio health is a priority to support sustainable growth. As a Model Strategist on the Credit Strategy team at Navi, we are seeking a highly curious and structured thinker. This role is designed for individuals who deeply understand models and aim to influence their usage and purpose rather than solely focusing on building them. In this position, you will be at the intersection of product, data science, and business, guiding model selection, challenging performance, and shaping solver logic to maximize disbursal while maintaining control over credit costs. This unique role combines system-level thinking with significant business impact, making it ideal for data scientists or quantitative analysts looking to contribute to high-stakes decision-making. Key Responsibilities: - Evaluate and challenge model performance across risk segments, funnel stages, and product variants - Drive model selection logic, deciding when and how to use specific models and blending multiple signals - Brainstorm on modeling techniques, data handling, and exclusions to enhance model performance - Collaborate with Data Science to recommend improved feature sets, inputs, and architecture hypotheses - Own solver logic and trade-off frameworks, such as approval rate versus ACL - Lead test-and-learn initiatives in underwriting experiments - Influence end-to-end underwriting strategy with a precision-first approach Qualifications: - Strong background in data science, credit analytics, or risk modeling (3+ years) - 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 respect from data science teams through technical credibility and insight - Curiosity about how models drive business outcomes, emphasizing precision over accuracy - Strong problem-solving skills and structured thinking - Masters or Bachelors degree in Computer Science, Electrical Engineering, Mathematics, Economics, or a related quantitative discipline - PhD in Data Science, ML, or Statistics from a reputable institution is a strong plus - Bonus: Exposure to lending, fintech, credit cards, BNPL, startups, or consulting Join Navi and be part of shaping the future of financial services for a billion Indians. Our tech-first solutions prioritize simplicity, accessibility, and affordability, covering a range of products such as Personal & Home Loans, UPI, Insurance, Mutual Funds, and Gold. Founded by Sachin Bansal & Ankit Agarwal in 2018, Navi is a rapidly growing financial services organization with a strong customer-first approach. Our Culture: At Navi, we value ambition, perseverance, self-awareness, ownership, and integrity. We seek individuals who dream big, innovate, and deliver real value to customers. If you are driven by challenges and aspire to make a difference, join us in a dynamic team that builds innovative solutions and uplifts each other to achieve excellence. Why You'll Thrive at Navi: - You're impact-driven: Take ownership, build boldly, and strive to make a real difference - You strive for excellence: Maintain focus, precision, and a passion for quality - You embrace change: Adapt quickly, prioritize the customer, and move fast to meet evolving needs,
