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About the Role
Navan is seeking an experienced commercial credit professional to lead underwriting and credit operations across Europe. This role involves hands-on underwriting, portfolio management, credit operations, and process improvement, with a focus on balancing analytical rigor with commercial judgment.
Responsibilities
- Underwrite commercial credit requests using financial and bank statements, funding/ investment history, commercial credit bureau data and macro/ industry data
- Lead the execution and continuous improvement of credit operations, including workflow management, queue prioritization, operational metrics and process optimization
- Own ongoing monitoring of portfolio performance across Europe, identifying emerging risks and providing actionable insights to leadership
- Own credit decisions within delegated authority and serve as a trusted advisor on complex commercial credit opportunities
- Drive the evolution of underwriting policies and approval frameworks by balancing portfolio performance, customer experience and commercial growth
- Identify opportunities to leverage automation, AI and data analytics to improve underwriting efficiency while maintaining strong risk controls
- Partner with Sales, Account Management and Customer Success to evaluate complex opportunities, resolve credit issues and deliver timely decisions that support customer growth
- Partner closely with our internal and external technology partners to continuously driven improvement and innovation in our credit risk management tech stack
Requirements
- Experience underwriting businesses across multiple European jurisdictions, with a strong understanding of differences in financial reporting, bureau data and local business practices
- 5+ years of commercial credit underwriting, ratings or related functional experience
- Multilingual fluency is strongly preferred
- Hands-on experience in development of credit risk management policy and expertise in credit approval framework and policy
- Proven ability to manage competing priorities and make sound decisions in a high-volume, fast-paced environment
- 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
- Hands-on experience in a fintech/ startup environment
- Analytics experience in working with financial and/or transactional data
- Demonstrated ability to balance strategic thinking with operational execution in a fast-paced environment
Skills
- Underwriting
- Credit Operations
- Portfolio Management
- Process Improvement
- Financial Analysis
- Risk Management
- Automation
- AI
- Data Analytics
- Partnership
- Strategic Thinking
- Operational Execution
Location
- Europe
Work Type
- Full-time
Experience Level
- 5+ years
About the Company
- At Navan, we're redefining business travel, payments, and expense management for thousands of companies around the world.
- Every credit decision we make enables customers to access Navan's payment solutions while protecting our portfolio and supporting sustainable growth.