Associate Manager - Economist

About the Team

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organization. The Credit Risk team, part of the Risk function at Navi, reviews and monitors the performance of credit underwriting policies and models, ensuring timely risk interventions and data-backed decision-making to manage portfolio quality.

About the Role

As Economist in the Risk team, your insights and views will be key inputs in risk and business decisions for Navi at the Group, across lines of businesses. Views on macroeconomic trends, possible emerging risks and forecasts will all be used appropriately in estimating risk buffers as well as in defining risk tolerance.

Key Responsibilities

• Strategic role for the Group - with a focus on the Lending business - working on developing insights for key business & strategy decision-making.
• Work on providing inputs based on economic analysis & forecasting across several areas of focus for the Group; a few of these targeted areas:

Lending:

• Identify and define stress scenarios & applicability of these to Navi’s customer segments, to reflect probability of such hypothetical / historical stress events.
• Bring in points of view / alerts linked to emerging macroeconomic trends or asset quality movements external to the Navi portfolios.
• Macro-economic analysis to assess resilience of the lending business (per asset quality, capital adequacy, liquidity sufficiency metrics) under plausible stress scenarios.
• Targeted economic analyses of customer segments to share insights to the Lending business in fine-tuning the products on offer.
• Assist the Lending business in reviewing, from a macroeconomic perspective, proposed revisions to existing products / launches of new products.

Strategy:

• Collate views on industry performance (focused on peers) for important business-specific metrics.
• Based on these views, be able to share inferences & inputs to the Group businesses (including guidance on risk tolerance, performance / return metrics, etc.).
• Work towards creating unique Navi POV (point of view) thought leadership publications, aligned to the Group’s strategy & business objectives
• Over and above the use cases identified above, work on any problem statements that may arise from business decisions that are considered across the Group’s operations & strategy.

Must Haves

• Excellent analytical skills, to be able to look at problems using first principles.
• Strong foundations in economics, with a focus on using macro-economic theory in applications to real-world problem solving.
• Candidates are expected to have a Masters Degree in Economics / Econometrics / Quantitative Economics, with a specialization in Statistics preferred.
• Experience across banking & financial services, especially in the digital lending ecosystem would be preferred.
• Ability to work independently as well as with team (Individual contributor)

About Navi

We are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our offerings include a range of financial products and services across Loans, Insurance, Mutual Funds, Digital Gold and UPI.

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!

To know more about us, our work, people, culture, values etc., check out navi.com/careers.

Our Culture

At Navi, we’re a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way.

Whether you’re shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.

We’re guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/careers/values-at-navi to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive and make a real impact.