Manager - Credit Risk Analytics

1 month ago

bangalore, 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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