Are you a sharp, inquisitive data expert ready to take your credit risk career to the next level? Join our high-impact team as a Senior Credit Risk Analyst, where your analytical acumen and innovative mindset will directly influence the growth and risk management of our commercial card portfolio.
In this strategic and highly visible role, you’ll leverage advanced analytics and modeling skills to drive smarter underwriting, optimize credit policies, and power decision-making across the organization. As a hands-on collaborator with Engineering, Product, Sales, and Operations, you'll turn vision into reality – from concept to execution, all while reporting directly to the Director of Credit.
What You’ll Do:
- Shape & Optimize Risk Models: Design, build, test, and fine-tune sophisticated credit risk models and strategies that enhance underwriting performance, sharpen risk rating, and elevate portfolio segmentation.
- Lead Portfolio Analytics: Establish and track key performance metrics, perform deep-dive analytics, and produce data-driven business insights that identify emerging risks and uncover new opportunities for growth. Present your findings and recommendations to senior leadership.
- Design Robust Policy: Develop, implement, and continuously enhance credit risk management policies and approval frameworks, ensuring strong risk controls and an auditable compliance infrastructure.
- Systems Innovator: Lead the development, deployment, and evolution of state-of-the-art credit risk systems and workflows. Map current credit decisioning processes, spot opportunities for automation or system integration, and oversee both implementation and continual optimization in a fast-changing environment.
- Be a Strategic Partner: Collaborate across teams to translate high-level business objectives and analytics insights into clear, actionable technical requirements. Champion innovation and seamless execution with our Engineering, Product, Sales, and Operations partners.
What We’re Looking For:
- Experienced Analyst: 4+ years of hands-on experience with commercial card portfolio analytics, specializing in credit performance, quality analytics, and advanced risk modeling.
- Tech-Savvy & Quantitative: Mastery of SQL, Python, and BI visualization tools; expert at data extraction, ML modeling, scenario analysis, and clear data storytelling.
- Model-Building Leader: Demonstrated expertise in building, refining, and monitoring credit risk models (segmentations, loss forecasting, scenario analysis, and policy efficacy).
- Policy Architect: Track record of managing and optimizing credit risk policies and approval systems.
- Excellent Communicator: Outstanding at distilling complex quantitative concepts for both business and technical audiences; comfortable presenting to senior leaders and translating strategy into actionable steps.
- Project Driver: Exceptional at turning business vision into technical specifications, working closely with cross-functional teams to bring new strategies to life.
- Education: Bachelor’s or Master’s degree in Finance, Economics, Statistics, Business, Data Science, or related quantitative field.
The posted pay range represents the anticipated low and high end of the compensation for this position and is subject to change based on business need. To determine a successful candidate’s starting pay, we carefully consider a variety of factors, including primary work location, an evaluation of the candidate’s skills and experience, market demands, and internal parity.
For roles with on-target-earnings (OTE), the pay range includes both base salary and target incentive compensation. Target incentive compensation for some roles may include a ramping draw period. Compensation is higher for those who exceed targets. Candidates may receive more information from the recruiter.
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What the Team is Saying
What We Do
Navan is the leading all-in-one business travel and expense management solution 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.
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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.
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