Associate Manager - Collateral Risk
About Navi
Navi is one of the fastest-growing financial services companies in India providing Personal & Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navi's mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences.
Ignite the Spirit of a “Navi_ite”
Imagine being at the heart of India’s fastest-growing financial services company, where every day brings the opportunity to redefine how millions manage their money. Navi is transforming the landscape with Personal and Home Loans, UPI, Insurance, Mutual Funds, and Gold—delivering innovation that makes financial products simpler, more accessible, and truly affordable.
With our cutting-edge AI/ML technology and deep expertise, we’re not just setting new standards; we’re creating experiences that delight and inspire.
This is your chance to be part of something extraordinary. At Navi, you won’t just be advancing your career; you’ll be leading a revolution in finance. Join us and discover how it feels to be at the forefront of this.
Founders: Sachin Bansal & Ankit Agarwal
Responsibilities:
● Management of valuations and collateral risk (legal and technical) for mortgage business, Collateral audits, Collateral evaluation process and validation of valuation and legal reports
● Scrutinize and initiate project approvals (APF) for the organization, timely monitoring and ensuring compliance on Collateral aspects within prescribed TAT
● Develop and manage business relationship with valuation & Legal agencies to get reports and other deliverables with prescribed TAT and cost
● Provide inputs in developing “Collateral Policy" and monitor the portfolio/ delinquencies related to Collateral aspects.
● Implement checks and process to control Fraud, build database and deduce for multiple funding or excess funding on properties and use market intelligence to identity any EWS
● Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications
● Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken.
● Coordinate with product team for digitizing and automating collateral sanctions
Requirements :
● The candidate should have experience in valuation background
● Preferably completed B.E. Civil / B. Tech Civil / Civil Engineering.
● Should Have knowledge about different geographies such as Bangalore, Hyderabad, Chennai and MMR
● Knowledge on Legal scrutiny related to property along with knowledge on compliance matters with respect to collateral in mortgage business would be an added advantage
What is awaiting you at Navi?
Unyielding Perseverance, Boundless Passion, Unwavering Commitment
Are you ready to channel your relentless drive into something truly transformative? As a Navi_ite, you will embody the essence of perseverance and passion, pushing boundaries and redefining what’s possible. As a Navi_ite, you’ll be at the forefront of our mission, taking on responsibilities that challenge you and push the limits of what you thought possible.
Relentless Pursuit of Unmatched Excellence
Imagine a place where your quest for excellence knows no bounds. At Navi, we don’t just set high standards; we live them. At Navi, we believe in delivering exceptional results and creating real value. You will have the opportunity to tackle projects with precision and pride, setting standards and achieving outcomes that make a tangible difference. Your ability to manage tasks effectively and maintain high standards will be key to our shared success.
Unbreakable Resilience and Agility
Visualize yourself thriving in an environment where change is not a barrier but a catalyst for your growth. As a Navi_ite, you’ll turn every challenge into an opportunity with your unparalleled resilience and adaptability. Your adaptability will be essential as you navigate evolving situations, contributing to both your personal development and the team’s achievements.
Joining Navi means stepping into a role where your perseverance, pursuit of excellence, and resilience are not just valued—they are celebrated. If you’re ready to leave a legacy of impact and innovation, your journey starts here. Embrace this chance to be a part of something extraordinary and let your potential shine. Your future as a Navi_ite awaits.