Data Scientist III

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 at scale.
• Innovation & 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 members, facilitate technical reviews, and actively contribute to a culture of knowledge sharing, continuous learning, and technical excellence within the team.

What Makes You a Great Fit

• Bachelor's or higher degree in Computer Science, Electrical Engineering, or a quantitative field, with a demonstrated research mindset and 5+ years of relevant experience
• Deep understanding of modern machine learning techniques, underlying mathematics, and hands-on experience with key ML frameworks (such as scikit-learn, Keras, TensorFlow, PySpark, MLlib, etc.)
• Strong foundation in statistics, machine learning (e.g., Random Forests, XGBoost, SVMs), and inference techniques, with expertise in hypothesis testing, simulations, and optimization methodologies.
• Proven experience working with distributed computing platforms for large-scale data processing and model training
• Strong programming skills, preferably in Python, Scala, or similar languages
• Demonstrated ability to drive large-scale machine learning projects end to end—from problem formulation and data preparation to deployment and monitoring
• Proven track record of delivering high business impact through data science solutions in previous roles
• Experience leading projects with multiple team members and/or mentoring junior colleagues is preferred

The Navi OS

The Navi OS is our Operating System for how we work every day. Success at Navi is defined by living these core values.

• Start with the Customer
• Master the Details
• Act with Urgency
• Own the Outcome
• Build for a Decade - Not a Day
• Win as One

We hire talented individuals who already show these strengths, because those who share these values thrive at Navi and grow with the organisation.

To read more about the Navi OS, visit navi.com/our-values

Life at Navi

Life at Navi is fast-paced, ambitious and deeply collaborative. Beyond work, teams come together through sports, celebrations, offsites, music jams, team outings and many more shared experiences that make the journey exciting and memorable.

We believe people do their best work when they feel supported, through flexible leave policies, strong health and wellness benefits, free financial, legal and medical consultations, ESOPs and a workplace designed for both productivity and well-being.

Whether it's the sports turf, gym, focus zone or nap rooms, the campus is built to make everyday work more enjoyable.

If you'd like to know more about life at Navi, our culture and employee benefits, head to our careers page: navi.com/careers/life-at-navi

If solving meaningful problems, building at scale and growing alongside ambitious teams excites you,

Navi could be the place for you.