Associate Manager

About the Team The Credit Strategy team at Navi is responsible for developing and optimizing underwriting strategies across our key lending products. The team owns and drives key underwriting metrics, asset quality indicators and portfolio monitoring while ensuring that credit decisions align with business objectives and risk tolerance of the Company. This team focuses on continually enhancing underwriting quality and portfolio health to support sustainable growth. About the Role You’ll be responsible for supporting the collateral risk function for Navi’s Home Loans business by executing day-to-day operations across collateral approvals, property valuation, legal scrutiny and collateral audits. This role requires 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. What We Expect From You ● Manage day-to-day collateral assessment processes, ensuring adherence to Navi’s collateral policies and risk guidelines. ● Initiate, review and validate valuation and legal reports, and escalate red flags in line with internal risk thresholds. ● Maintain and enhance the collateral risk database to enable early warning systems, audit trails, and MIS reporting. ● Drive implementation of fraud detection protocols, including pattern recognition and exception reporting. ● Collaborate with product and tech teams to streamline processes and digitize approval workflows. ● Monitor market-level developments and provide inputs for dynamic calibration of exposure norms and risk flags. Must Haves ● Strong first principles thinking combined with awareness of current industry practices ● Educational background in Civil Engineering or Architecture – preferably B.E. Civil, B. Tech Civil, or B. Arch ● Familiarity with real estate norms and practices across geographies like Bangalore, Hyderabad, Chennai, and MMR ● Understanding of legal scrutiny related to property and compliance requirements in the mortgage and collateral business ● Proficient in Excel, Google Sheets, and other basic tools to drive operational and analytical efficiency About Navi We are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our offerings include a range of financial products and services across Loans, Insurance, Mutual Funds, Digital Gold and UPI. Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India’s fastest-growing financial services organisations. But we’re just getting started Our Culture At Navi, we’re a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether you’re shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference. We’re guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/our-values to see what drives us every day. If this feels like you, Navi is the place to grow, thrive and make a real impact.