Associate Manager II - Collateral Risk (Housing Loan)

The Credit Strategy team at Navi is responsible for developing and optimizing underwriting strategies across key lending products. Your role in the team involves owning and driving key underwriting metrics, asset quality indicators, and portfolio monitoring to ensure that credit decisions align with the company's business objectives and risk tolerance. You will focus on enhancing underwriting quality and portfolio health to support sustainable growth. As part of the role, you will be responsible for supporting the collateral risk function for Navis Home Loans business. This includes executing day-to-day operations related to collateral approvals, property valuation, legal scrutiny, and collateral audits. Your tasks will require an understanding of the real estate market, strong process discipline, attention to detail, and the ability to build strong working relationships with external legal and valuation partners and internal teams to ensure timely, accurate, and risk-aligned collateral assessments. In this position, your responsibilities will include managing day-to-day collateral assessment processes, ensuring compliance with Navis collateral policies and risk guidelines, validating valuation and legal reports, and maintaining the collateral risk database. You will also drive the implementation of fraud detection protocols, collaborate with product and tech teams to streamline processes, and monitor market-level developments to provide inputs for dynamic calibration of exposure norms and risk flags. To excel in this role, you must possess strong first principles thinking, an educational background in Civil Engineering or Architecture, familiarity with real estate norms and practices across geographies, an understanding of legal scrutiny related to property, and proficiency in Excel, Google Sheets, and other basic tools for operational and analytical efficiency. At Navi, we are shaping the future of financial services for a billion Indians through simple, accessible, and affordable products. Founded in 2018, we are one of India's fastest-growing financial services organizations, driven by ambition, perseverance, self-awareness, ownership, and integrity. If you are driven by innovation and delivering real value to customers, Navi offers an environment where you can work in a dynamic team that builds and improves innovative solutions. Our culture values ambition, excellence, and embracing change, with a focus on making a real difference for our customers.,