At Navan, we're redefining business travel, payments, and expense management for thousands of companies around the world. Every credit decision we make enables customers to access Navan's payment solutions while protecting our portfolio and supporting sustainable growth.
About the Role
Are you a high-impact credit professional looking to make an immediate impact in a rapidly growing business?
We're seeking an experienced commercial credit professional to join our global Credit Risk team and lead underwriting and credit operations across Europe. This role combines hands-on underwriting, portfolio management, credit operations, and process improvement.
This is a hands-on role. While you'll own complex underwriting decisions and help shape credit strategy across Europe, you'll also play a key role in ensuring our day-to-day credit operations run smoothly. You'll continuously improve workflows, partner with operational teams, and help build scalable processes that enable the business to grow responsibly.
If you enjoy balancing analytical rigor with commercial judgment—and want to influence both individual credit decisions and the systems behind them—we'd love to meet you.
What You’ll Do
- Underwrite commercial credit requests using financial and bank statements, funding/ investment history, commercial credit bureau data and macro/ industry data
- Lead the execution and continuous improvement of credit operations, including workflow management, queue prioritization, operational metrics and process optimization
- Own ongoing monitoring of portfolio performance across Europe, identifying emerging risks and providing actionable insights to leadership
- Own credit decisions within delegated authority and serve as a trusted advisor on complex commercial credit opportunities
- Drive the evolution of underwriting policies and approval frameworks by balancing portfolio performance, customer experience and commercial growth
- Identify opportunities to leverage automation, AI and data analytics to improve underwriting efficiency while maintaining strong risk controls
- Partner with Sales, Account Management and Customer Success to evaluate complex opportunities, resolve credit issues and deliver timely decisions that support customer growth
- Partner closely with our internal and external technology partners to continuously driven improvement and innovation in our credit risk management tech stack
What We’re Looking For
- Experience underwriting businesses across multiple European jurisdictions, with a strong understanding of differences in financial reporting, bureau data and local business practices
- 5+ years of commercial credit underwriting, ratings or related functional experience
- Multilingual fluency is strongly preferred
- Hands-on experience in development of credit risk management policy and expertise in credit approval framework and policy
- Proven ability to manage competing priorities and make sound decisions in a high-volume, fast-paced environment
- Experience in leveraging internal portfolio, macroeconomic, industry and external data in the development of risk appetite frameworks, credit policies and forward-looking forecasts
- Very strong analytical experience
- Commercial card, B2B credit and or travel industry credit risk management is a plus
- Strong partnership skills and proven success in working with business partners in sales, client management, product and operations
- Hands-on experience in a fintech/ startup environment
- Analytics experience in working with financial and/ or transactional data
- Demonstrated ability to balance strategic thinking with operational execution in a fast-paced environment
Skills Required
- Experience underwriting businesses across multiple European jurisdictions
- 5+ years of commercial credit underwriting, ratings or related functional experience
- Multilingual fluency
- Hands-on experience developing credit risk management policy and credit approval frameworks
- Proven ability to manage competing priorities and make sound decisions in a high-volume, fast-paced environment
- Experience leveraging internal portfolio, macroeconomic, industry and external data to develop risk appetite frameworks and forecasts
- Very strong analytical experience
- Commercial card, B2B credit and/or travel industry credit risk management experience
- Strong partnership skills with sales, client management, product and operations
- Hands-on experience in a fintech/startup environment
- Analytics experience working with financial and/or transactional data
What the Team is Saying
Navan Compensation & Benefits Highlights
-
Healthcare Strength — The package includes medical, dental, and vision coverage for employees and dependents, along with mental health resources such as Headspace. Additional protections like disability and life insurance and options like FSA are described.
-
Parental & Family Support — Paid parental leave is specified as 16 weeks for the birthing parent and 10 weeks for the non‑birthing parent, with family medical leave also available. Supportive amenities such as an onsite Mother’s Room and company‑sponsored family events are included.
-
Leave & Time Off Breadth — Flexible/unlimited vacation and generous PTO structures are highlighted, alongside paid holidays and sick time. Bereavement leave is also offered across many locations.
Navan Insights
What We Do
Navan (Nasdaq: NAVN) is the leading all-in-one business travel, payments, and expense management platform that makes travel easy for frequent travelers. From finding flights and hotels to automating expense reconciliation, with 24/7 support along the way, Navan delivers an intuitive experience travelers love and finance teams rely on. See how Navan customers benefit and learn more at navan.com.
Why Work With Us
At Navan, we’re never satisfied with the status quo, and we know breakthrough ideas come from diverse perspectives. We are committed to cultivating a workplace that reflects the diversity of the customers we serve while fostering leadership and innovation.
Gallery
Navan Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
In-person connections is the foundation of Navan, the connections forged through face-to-face interactions improve company culture and what we can achieve together. We operate on a hybrid working model, which we define as four days a week in-office.
.png)
