Head of Fraud, Risk & Strategy

About the Team

The Risk team at Navi is responsible for identifying, assessing, and mitigating potential risks across the organization. The Fraud Risk & Strategy (FRS) team, part of the Risk function at Navi, owns fraud risk prevention, detection and investigation across all of Navi's business. To achieve this, FRS partners with Tech, Product & Analytics teams to define fraud controls, set up alerts as well as identify suspicious patterns through investigations.

About the Role

We are looking for an Associate Director, to be part of the Group Risk function, to lead the Fraud Risk & Strategy (FRS) function across lending, insurance, asset management and payments businesses. This role will work closely with the Group Risk Head to drive the FRS charter related initiatives and projects across the Group entities.

What We Expect From You

The role is expected to lead the fraud charter for the Group, covering businesses - lending, investments, insurance and payments. The responsibilities identified below are to be read in conjunction with this understanding :

Prevention

• Understanding and driving prevention of loss from various fraud modes (Transaction Fraud, Application, Account Takeover, Transaction Fraud, 1st and 3rd Party Fraud, Bust Out Fraud).
• Conduct periodic reviews of key processes and systems to identify gaps in terms of fraud and operational risk, and suggest controls to address the same
• Work with Product & Tech teams to build & deploy fraud rules in production; and also to review adequacy of controls to mitigate frauds at the design stage

Detection

Investigations

Reporting

Must Haves

Inside Navi

We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech-first solutions that work at scale, with a strong customer-first approach.

Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India’s fastest-growing financial services organisations. But we’re just getting started!

Our Culture

The Navi DNA

Ambition. Perseverance. Self-awareness. Ownership. Integrity.

We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you.

We chase excellence by uplifting each other—and that starts with every one of us.

Why You'll Thrive at Navi

At Navi, it’s about how you think, build, and grow. You’ll thrive here if :