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103 Navi Technologies Jobs

Manager/Senior Manager - Credit Strategy

6-11 years

Bangalore / Bengaluru

1 vacancy

Manager/Senior Manager - Credit Strategy

Navi Technologies

posted 1mon ago

Job Role Insights

Flexible timing

Key skills for the job

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. 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 Navis 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 :

  • 8-12 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


Employment Type: Full Time, Permanent

Read full job description

Prepare for Senior Manager Credit roles with real interview advice

Top Navi Technologies Senior Manager Credit Interview Questions

Q1. Build a fransision from scratch usingappium.
Q2. SQL: find store with highest AOV
Q3. Low Level Design: How to do rate limiting for a platform serving 100K requests per second.
View all 15 questions

What people at Navi Technologies are saying

What Navi Technologies employees are saying about work life

based on 264 employees
65%
56%
68%
94%
Flexible timing
Monday to Friday
No travel
Day Shift
View more insights

Navi Technologies Benefits

Free Food
Cafeteria
Gymnasium
Work From Home
Soft Skill Training
Health Insurance +6 more
View more benefits

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Navi Technologies Bangalore / Bengaluru Office Location

View all
Bengaluru/Bangalore, Karnataka Office
Headquarter
Vaishnavi Tech Square, Ibbaluru, Bellandur, Bangalore, Karnataka 560103, IN Bengaluru/Bangalore, Karnataka
560103

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