Hiring Manager - Narinder Gautam

Team - Credit (Lending Function)

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.

Know what makes you a “Navi_ite” :

1. Perseverance, Passion and Commitment
-Passionate about Navi’s mission and vision
-Demonstrates dedication, perseverance and high ownership
-Goes above and beyond by taking on additional responsibilities
2. Obsession with high quality results
-Consistently creates value for the customers and stakeholders through high-quality outcomes
-Ensuring excellence in all aspects of work
-Efficiently manages time, prioritizes tasks, and achieves higher standards
3. Resilience and Adaptability
-Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility

Responsibilities :
1. Own the Collateral Management Policy and maintain strong process controls for collateral
tracking, management and disposal

2. End to end management of valuations and collateral risk (legal and technical) for Home Loans
business, Collateral audits, Collateral evaluation process and validation of valuation and legal
reports

3. Develop and manage business relationship with valuation & Legal agencies to get reports and
other deliverables with prescribed TAT and cost – across collateral types

4. Own collateral segmentation based on property types, builder category and identify collateral
with high risks or in negative areas.
5. Develop checks and process to control Fraud, build database and use market intelligence to
identity any early warning signals
6. Keep track of the developments in real estate market and its impact on lending parameters,
property valuations and other financial implications
7. Build in-depth knowledge of risks associated with property types / projects / markets /
developers and come up with recommended exposure norms.
8. Coordinate with product team for digitizing and automating collateral sanctions

Requirements:
1. Combination of first principles thinking and knowledge of current practices
2. Preferably B.E. Civil / B. Tech Civil / Civil Engineering.
3. Knowledge of real estate norms / practices of different geographies such as Bangalore,
Hyderabad, Chennai and MMR etc
4. Knowledge on Legal scrutiny related to property, compliance matters with respect to collateral
in mortgage business.

Associate Manager II - Collateral Risk

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