Data Scientist

About the Team The Data Science team at Navi plays a central role in building intelligent solutions that power our products and drive business impact. We work across key domains such as Lending, Collections, KYC, UPI Growth and Ads recommendation, applying advanced machine learning/deep learning/GenAI techniques to solve high-impact challenges. Our work involves a diverse range of data types—including text, image, and tabular data—and we closely collaborate with cross-functional teams like Product, Business, Engineering, etc. to deliver end-to-end solutions. About the Role As a Data Scientist 1 at Navi, you’ll be an integral part of a team that’s building scalable and efficient solutions across lending, insurance, investments, and UPI. You won’t just be solving predefined problems - you’ll help define them, working hands-on across a variety of domains including computer vision, tabular data, natural language processing, speech recognition, and Generative AI. You’ll have the opportunity to apply cutting-edge techniques to real-world challenges, while collaborating closely with cross-functional teams to deliver measurable business impact. This isn’t just a role - it’s a chance to contribute to the future of fintech through innovative, high-ownership work that makes a visible difference. What We Expect From You End-to-End Project Ownership: Take complete responsibility for data science projects—from building models to deploying them—ensuring delivery of measurable business outcomes. Cross-Functional Collaboration: Work closely with Product, Engineering, and Business teams to translate problem statements into scalable, real-world data science solutions. Technical Expertise: Apply advanced techniques across machine learning, deep learning, NLP, computer vision, and generative AI to address complex business challenges. Diverse Data Handling: Work confidently with tabular, text, image, and speech data, choosing the right models and tools to extract actionable insights. Innovation & Experimentation: Proactively explore and implement new algorithms and approaches, consistently pushing the boundaries of what’s possible in fintech. Model Validation & Monitoring: Ensure robust model validation, ongoing monitoring, and performance tracking in production to guarantee continuous business value. Culture Contribution: Contribute to a culture of learning, peer review, and technical excellence within the data science team. Must Haves Bachelor's or Master's in Engineering or equivalent. Strong Python programming skills and SQL skills; experience with pyspark / scala is a plus Proficiency in pandas, scikit-learn and familiarity with TensorFlow/PyTorch Strong data analysis and visualisation skills Understanding of machine learning / deep learning concepts, probability theory, optimisation techniques and statistical concepts Strong interpersonal and collaborative skills Excellent verbal and written communication skills Inside Navi We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech-first solutions that work at scale, with a strong customer-first approach. Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India’s fastest-growing financial services organisations. But we’re just getting started Our Culture The Navi DNA Ambition. Perseverance. Self-awareness. Ownership. Integrity. We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you. We chase excellence by uplifting each other—and that starts with every one of us. Why You'll Thrive at Navi At Navi, it’s about how you think, build, and grow. You’ll thrive here if: You’re impact-driven : You take ownership, build boldly, and care about making a real difference. You strive for excellence : Good isn’t good enough. You bring focus, precision, and a passion for quality. You embrace change : You adapt quickly, move fast, and always put the customer first.