Strategic Model Developer

1 day ago

Bengaluru, Karnataka, India beBeeCredit Full time ₹ 20,00,000 - ₹ 25,00,000
About the Opportunity

The Navi Credit Strategy team is responsible for developing and optimizing underwriting strategies across key lending products.

They own and drive key underwriting metrics, asset quality indicators, and portfolio monitoring while ensuring credit decisions align with business objectives and risk tolerance.

This team focuses on continually enhancing underwriting quality and portfolio health to support sustainable growth.

About the Role

We are seeking a highly skilled professional to join our Credit Strategy team as a Model Strategist.

This is not a model-building role – this is a strategy role designed for those who deeply understand models but want to influence how and why they are used.

You'll be at the center of product, data science, and business – guiding model selection, challenging model performance, and shaping solver logic to help maximize disbursal while keeping credit costs tightly controlled.

Key Responsibilities:

  • Evaluate and challenge model performance across risk segments, funnel stages, and product variants.
  • Drive model selection logic – decide which model to use when, and how to blend multiple signals.
  • Develop and implement modeling techniques, data handling, exclusions etc. to fundamentally improve model performance.
  • Collaborate with DS to recommend better feature sets, inputs, and architecture hypotheses.
  • Own solver logic and trade-off frameworks (approval rate vs. ACL).
  • Lead test-and-learn initiatives in underwriting experiments.
  • Influence end-to-end underwriting strategy with a precision-first lens.

Requirements:

  • Strong background in data science, credit analytics, or risk modeling (3+ years).
  • Strong research-oriented mindset with 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 peer-level respect from data science teams through technical credibility and insight.
  • Deep curiosity about how models drive business outcomes, not just accuracy.
  • Strong problem-solving ability and structured thinking.
  • Master's or Bachelor's degree in Computer Science, Electrical Engineering, Mathematics, Economics, or another quantitative discipline.
  • PhD in Data Science / ML / Statistics from a reputed institution is a strong plus.
  • Bonus: Exposure to lending/fintech/credit cards/BNPL/startups/consulting.

About Us

We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable.

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