Financial Crimes Investigator

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

Navi is looking for an Associate Manager– Fraud Risk & Strategy (Investigation) to lead and execute high-quality, end-to-end fraud investigations across its financial services businesses, including Lending, Payments, Digital Gold, and AMC. This role is crucial in safeguarding Navi against financial fraud by identifying fraud triggers, uncovering root causes, supporting recovery efforts, and collaborating closely with internal teams and external stakeholders, including law enforcement agencies. The role demands strong analytical capabilities, field investigation skills, and a proactive mindset to detect and mitigate fraud risk at scale.

What We Expect From You

• End to end Investigation of suspect and confirmed fraud cases (Lending, Payments, Digital Gold, AMC), except employee frauds
• Gather evidence, interview witnesses, with field visits wherever required
• Liaison with stakeholders (internal & external) for investigation
• Work towards fraud recovery and necessary corrective action (initiating police case / legal action, etc.)
• Understand MO and create RCA of each case, presenting quality reports to all relevant stakeholders and senior management
• Call customers to understand the application process, other issues
• Check KYC regularly for fraud triggers
• Hindsight of a large database for all financial services products within the scope identified above (need basis) to identify fraudulent triggers, and drive to conclusion
• Help maintain internal MIS on Frauds, repository of investigation reports, complaints, etc.
• Be proactive in identifying and following up on anomalies / areas of concern
• Maintain agreed TAT and Quality management of RCU activity
• Work on improving Hit rate, report quality
• Month-end support, billing

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

At Navi, we’re a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether you’re shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.

We’re guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.Com / our-values to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive and make a real impact.