Manager - Credit Risk Analytics

4 weeks ago

Bengaluru, India Navi Full time

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

Analytics @Navi :

Navi Analytics is a central function working closely with product, tech, business functions and CEO office to create data processes as the key differentiator for the company.

We believe in –

  • Creating business impact by moving the key metrics across functions in the right direction
  • Improving speed of decisions through data transformation and access
  • Improving the quality of decisions with right visibility into business
  • Solving complex problems using a structured data analysis and advanced analytics functions
  • Being the owner of data (availability, quality, accessibility, usability) for the company
  • Creating a culture of learning through experimentation

About the role :

Key responsibilities:

  • Navi is launching first of its kind payments credit products to empower a large segment of Indians with payments credit access at scale.
  • The role requires collaborating with the business team & partner banks to set up from scratch the credit risk management machinery and supporting data science & central risk teams.
  • Work on various analytics models to understand 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 owning metrics for short term & long term credit risk for the portfolio across payments credit products.
  • Ownership of various other metrics(exploratory analysis, automation, dashboarding, advanced analytics) 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
  • Ruthlessly prioritize impactful work, scope them, track progress and set up high standard reviews SOPs
  • Deliver continuous insights and recommendations for business/product improvements and communicate effectively to ensure implementation of recommendations aligned with the business/product
  • Identify opportunities of advanced analytics projects like prediction, segmentation, optimization to come up with insights on customization for various customer groups
  • Define metrics through the business processes for clear measurability and to deep-dive into processes to identify areas of improvements
  • Work with internal (self serve, advanced analytics teams) and external (engineering & data platform team) to drive data availability, reliability and speed of data.
  • Identify long-term opportunities and delivers them in a scalable fashion by implementing scalable processes in place and driving automation of repetitive tasks

Desired Candidate Profile :

Required Skills:

  • Bachelor's degree in Technology/MBA with technical background
  • 5+ years of experience on SQL, any BI platform (Tableau, PowerBI, Qlikview, Looker, Quicksight etc)
  • Prior experience of banking domain(Credit Risk) would be a plus and Decent understanding of underwriting process and delinquency.
  • "High commitment" and "adaptive to change" to thrive in a startup environment
  • Ability to identify relevant business problems to solve via data analytics and ability to interpret complex data sets
  • Ability to influence decision makers across functions to implement change
  • Proven Experience in handling stakeholders and multiple charters on need basis

Good to Have:

  • Understanding of basic statistical concepts (Sampling, Distributions, Central tendency, Hypothesis testing etc)
  • Prior data modeling experience in R/Python and some classification and/or regression techniques
  • Understanding of data platforms and some knowledge ETL processes

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