Manager, Commercial Credit Risk - Europe
London, UK
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.
About the Role
Are you a high-impact credit professional looking to make an immediate impact in a rapidly growing business?
We're seeking an experienced commercial credit professional to join our global Credit Risk team and lead underwriting and credit operations across Europe. This role combines hands-on underwriting, portfolio management, credit operations, and process improvement.
This is a hands-on role. While you'll own complex underwriting decisions and help shape credit strategy across Europe, you'll also play a key role in ensuring our day-to-day credit operations run smoothly. You'll continuously improve workflows, partner with operational teams, and help build scalable processes that enable the business to grow responsibly.
If you enjoy balancing analytical rigor with commercial judgment—and want to influence both individual credit decisions and the systems behind them—we'd love to meet you.
What You’ll Do
- 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
What We’re Looking For
- 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
About Navan
Navan (Nasdaq: NAVN) is the global AI-powered business travel and expense platform 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.
Culture of Excellence
Our team is our competitive edge — a high-performance group of smart, driven people committed to winning together. This dedication to excellence is why we’ve been recognized as a Best Place to Work by Built In (2023–2026), a G2 Best Global Software Company (2025–2026), Forbes Cloud 100 (2022–2025), and CNBC Disruptor 50 (2022–2025). At Navan, we provide an environment where top talent excels, offering the autonomy and fast-paced trajectory needed to build a defining career and do the best work of your life.
Our Benefits
Navan offers a comprehensive benefits program designed to support your well-being, financial security, and life outside of work. Our benefits, thoughtfully tailored by country to meet local needs, include healthcare coverage, insurance offerings, and wellness resources for you and your family.
We support long-term financial growth through retirement savings programs and opportunities to participate in our equity plans, so you can share in Navan’s success. To promote balance, we offer flexible time off, country-specific holidays, and paid parental leave for all new parents. Additional benefits include connectivity and commuting support*, mental health resources, and exclusive travel-related perks. Wherever you’re based, our benefits evolve with you.
Workplace Policy
Navan believes in the value of in-person connections, whether that’s sitting down to have lunch with one another, taking a walking 1:1, or collaborating in a room together. The connections forged through face-to-face interactions improve company culture and drive business results. Navan invests in global office spaces — in the U.S., Europe, and Asia, among others — that feel welcoming. In-office perks such as company-provided lunches and happy hours create a strong team environment to help you do your best work. Our employees work from the office four days a week. Please expect this policy for all roles that are tied to an office.
Equal Opportunity
Navan is an equal opportunity employer. We make all employment decisions based solely on merit. We provide equal employment opportunity to all applicants and employees without discrimination on the bases of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We prohibit any such discrimination or harassment. This policy applies to all terms and conditions of employment, including hiring.
Accommodations
Navan complies with the Americans with Disabilities Act (ADA), as amended by the ADA Amendments Act, and all applicable state or local law. Navan will reasonably accommodate qualified individuals with a disability in connection with applications for employment as required by law.
If you need any assistance or accommodations due to a disability, you are welcome to email us at talent-accommodations@navan.com.
Candidate Privacy Notice and Use of AI
As part of the recruitment process, certain personal data may be processed using automated tools, including tools that use AI. For details on how Navan collects and uses your personal data, please review Navan's Candidate Privacy Notice here.
Job Search Best Practices
We have been made aware of recruitment scams involving fraudulent attempts to lure job seekers into sending money or personal information in return for fake job offers or coerce them into purchasing equipment by electronic funds transfer (Zelle, Venmo, etc.) Legitimate Navan recruiters will never ask for money in any recruitment or onboarding activities. All available job openings at Navan will be posted on Navan’s website and all Navan recruiters will be reachable through an email address ending in “@navan.com” or “@navan.tech” or "@talent.navan.com".
*Applies to select locations.