Job Description & How to Apply Below
About Navi
At Navi, our mission is to simplify finance for a billion people, through technology-first products built at scale.
Founded in 2018 by Sachin Bansal and Ankit Agarwal, Navi has grown rapidly across Loans, UPI, Insurance, Mutual Funds and Digital Gold – building products designed around speed, simplicity and customer experience.
Today, millions of customers use Navi for experiences like instant personal loans, fully digital home loan sanctions within minutes, low-cost mutual funds, instant credit lines in minutes and one of India’s fastest-growing UPI platforms.
What makes Navi different is the way we build. We move fast, solve real customer problems and give people the ownership to create meaningful impact early in their journey.
Why Explore a Career at Navi?
Where Ownership Creates Real Impact
At Navi, ownership starts early. People here are trusted to solve problems, make decisions and drive outcomes that directly shape the products and experiences used by millions of customers every day.
Where Careers Accelerate
Growth at Navi is driven by impact, not tenure. We strongly believe in promoting from within and creating opportunities for people to take on larger responsibilities as they grow. If you consistently raise the bar, you’ll find the space to grow quickly here.
Where Great Talent Builds Together
We take pride in building high talent-density teams where ambitious people learn from one another every day. Working on high-scale business and technology problems creates steep learning curves, fast execution cycles and opportunities to make visible impact throughout your journey.
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 3 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 identify the problems and solve for getting high business impact.
This role offers the opportunity to lead high-impact data science initiatives that directly influence strategic business decisions. It involves working at the intersection of advanced machine learning, large-scale data processing, and cross-functional collaboration, with a focus on building scalable solutions and fostering a culture of technical excellence and innovation within the team.
What You’ll Own
Strategic Project Leadership:
Drive end-to-end delivery of high-impact data science initiatives, from conception and prototyping to large-scale deployment, ensuring alignment with business goals and measurable outcomes.
Stakeholder Management & Cross-Functional Leadership:
Proactively engage and influence stakeholders across Product, Engineering, Business, and Executive teams, shaping problem definitions and championing data-driven decision making.
Technical Depth & Thought Leadership:
Demonstrate deep expertise across machine learning and deep learning concepts, setting technical direction and solving highly complex, ambiguous problems.
Advanced Data Solutions:
Architect and deliver solutions across diverse data types—tabular, text, image, and speech—leveraging cutting-edge models and best practices to drive business value ovation & Research:
Lead experimentation with emerging algorithms and technologies, fostering a culture of innovation and staying ahead of industry trends, especially in the fintech domain.
Robust Model Governance:
Establish and uphold best practices for model validation, monitoring, performance tracking, and risk management in production environments, ensuring reliability and compliance.
Mentorship & Team Development:
Mentor and guide junior team…
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