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In this role, you will underwrite commercial credit requests, monitor portfolio credit quality, and contribute to the development of risk management policies. You will work closely with internal teams and customers to manage credit workflows, ensuring alignment with business objectives. We are looking for a candidate with 5+ years of experience in credit underwriting and portfolio analytics, strong risk management skills, and the ability to collaborate across functions.
What You’ll Do:
- Underwrite commercial credit requests using financial and bank statements, funding/ investment history, commercial credit bureau data and macro/ industry data
- Monitor the credit quality and performance of our portfolio and our risk management policy/ process and provide periodic insights to finance leadership
- Support the continuous evolution of our policies both from a risk management and from a commercial viability and customer experience standpoint
- Work closely with sales, account management, operations and other internal teams to manage credit-related workflow and liaise with customers where necessary to perform diligence
What We’re Looking For:
- 5+ years of commercial credit underwriting, ratings or related functional experience (collections, portfolio monitoring, financial planning etc.)
- 2+ years of holistic commercial card portfolio analytics experience including credit performance and quality, yield/ profitability, provision management etc.
- Hands-on experience in development of credit risk management policy and expertise in credit approval framework and policy
- 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
- Analytics experience in working with financial and/ or transactional data
- Attention to detail and ability to execute on workflows
What the Team is Saying
What We Do
Navan is the all-in-one super app that makes travel and expense easy so you can focus on being there, not getting there. Say goodbye to spending hours on the phone trying to change your flight or saving stacks of receipts to manually input expenses. From EAs and finance teams to travel managers and employees, Navan empowers people to focus on the things that matter most to them — all while providing companies with real-time visibility, savings, and control.
Navan’s investors include visionaries like Andreessen Horowitz, Lightspeed Ventures, Greenoaks, Zeev Ventures, and entrepreneurs Lee Fixel, Adam Bain, and Elad Gil. In Oct 2022, Navan announced its Series G upround at a post-money valuation of $9.2B to help accelerate future growth plans.
In April 2023, Navan expanded in the Indian market with the acquisition of Tripeur, a modern, people-centric corporate travel and expense management company. The group’s fifth acquisition in under two years, Tripeur joined the Navan Group alongside Spanish meetings and events specialists, Atlanta Events & Corporate Travel Consultants; Berlin-based modern travel management company, Comtravo; leading Scandinavian travel agency Resia AB; and London-based high-touch TMC, Reed & Mackay.
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.
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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 three days a week in-office.
