Manager - Housing Loan - Collateral Risk

2 weeks ago

Bengaluru, India Navi Full time

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.


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 :

● Own the Collateral Management Policy and maintain strong process controls for collateral

tracking, management and disposal

● 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

● Develop and manage business relationship with valuation & Legal agencies to get reports and

other deliverables with prescribed TAT and cost – across collateral types

● Own collateral segmentation based on property types, builder category and identify collateral

with high risks or in negative areas.

● Develop checks and process to control Fraud, build database and use market intelligence to

identity any early warning signals

● Keep track of the developments in real estate market and its impact on lending parameters,

property valuations and other financial implications

● Build in-depth knowledge of risks associated with property types / projects / markets /

developers and come up with recommended exposure norms.

● Coordinate with product team for digitizing and automating collateral sanctions


Requirements:

● Combination of first principles thinking and knowledge of current practices

● Preferably B.E. Civil / B. Tech Civil / Civil Engineering / B. Arch.

● Knowledge of real estate norms / practices of different geographies such as Bangalore, Hyderabad,

Chennai and MMR etc

● Knowledge on Legal scrutiny related to property, compliance matters with respect to collateral in

mortgage business.

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