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 will play a key role in the dynamic credit strategy function for Navi’s Home Loans vertical with a primary focus on customer assessment, preparing and reviewing sanction letters in line with Navi’s approved credit policies. The role demands strong attention to detail, understanding of home loan underwriting, and the ability to work closely with stakeholders across business, operations, product, legal, and sales teams to ensure accurate and timely loan approvals. What We Expect From You ● Create, approve and issue sanction letters based on approved credit decisions, ensuring alignment with Navi’s risk policies and regulatory norms. ● Ensure all key credit, customer, sanction conditions and collateral details and are accurately captured and aligned with approved loan terms. ● Coordinate with the collateral, operations, business and legal teams to resolve discrepancies or pending conditions prior to sanction. ● Ensure timely issuance of sanction letters to meet TAT expectations and improve internal processes to reduce TATs. ● Build an expertise in risks associated with specific loan types, markets, and collaterals. ● Contribute to credit policies by sharing relevant observations, risks and / or opportunities. ● Support the digitization and automation of the sanction letter generation process in collaboration with the product teams. ● Stay updated on policy changes, documentation standards, and regulatory guidelines impacting Home loans vertical and credit approvals. Must Haves ● Strong first principles thinking combined with awareness of current industry practices ● 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.