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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 Inside Navi We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech-first solutions that work at scale, with a strong customer-first approach. 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 The Navi DNA Ambition. Perseverance. Self-awareness. Ownership. Integrity. We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you. We chase excellence by uplifting each other—and that starts with every one of us. Why You'll Thrive at Navi At Navi, it’s about how you think, build, and grow. You’ll thrive here if: ● You’re impact-driven : You take ownership, build boldly, and care about making a real difference. ● You strive for excellence : Good isn’t good enough. You bring focus, precision, and a passion for quality. ● You embrace change : You adapt quickly, move fast, and always put the customer first.