Manager - HL Credit Strategy

2 weeks ago

bangalore, 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 :

  • 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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