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Navi Technologies
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Associate manager II/Manager(L6/L7)- Credit Strategy

Associate manager II/Manager(L6/L7)- Credit Strategy

Navi Technologies

4 - 6 years

14 - 18 Lacs

Bengaluru

Posted:19 hours ago| Platform:

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Skills Required

Analytical skills Loans Policy implementation Credit underwriting Instrumentation Individual Contributor Analytics Financial services Monitoring SQL

Work Mode

Work from Office

Job Type

Full Time

Job Description

About Navi

Navi is one of the fastest-growing financial services companies in India providing Personal Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navis 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.

Founders Sachin Bansal Ankit Agarwal

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

- Designing, implementing and maintaining underwriting strategies for the housing loan portfolio; own portfolio risk metrics - Bounces, PAR metrics, Roll rates etc

- Develop policies for new products, customer types and collaterali types in line with business requirements (eg loan against properties, self-employed underwriting etc)

- Responsible for portfolio monitoring, including creation and maintenance of relevant dashboards for early warning signals

- Work on identification of emerging credit risks across portfolio, and drive key initiatives to help achieve objectives of credit risk mitigation and identify policy implementation gaps

- Digitization of the processes, instrumentation of data and preparation of digital trackers to monitor the process as well improvement

- Collaborate with several stakeholder functions, such as Analytics, Tech, Product, Collections to achieve these outcomes

- The approach to this role will involve

Reviewing credit underwriting outcomes across various cuts - borrower level, segment level, project level, etc to gather credit insights and make necessary policy modifications,

Identifying policy implementation gaps, defining relevant negative signals, etc.

Evaluate data sources - including alternate data sources for digital underwriting of housing loans

Objective assessments to verify outcomes driven by credit underwriting strategies

Own the recommendations made from this process, and action items linked for appropriate conclusions

Key Skills Required

- 4 -6 years of relevant experience in credit strategy for housing loans

- Excellent analytical skills and eye to detail, to be able to look at problems using first principles

- Collaborative, effective as well as assertive in interactions with stakeholders

- Understanding of financial services in a digital ecosystem would be ideal

- Ability to work independently (Individual contributor) as well as with team to drive projects

- Hands-on experience with SQL would be a ideal but not mandatory

- Strong problem solving skills, business acumen and tech bent of mind

- Strong written and verbal communication skills with a talent for articulating.

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Associate manager II/Manager(L6/L7)- Credit Strategy