Subject Matter Expert - Motor Claims

Job Description

About the Team The Motor Claims team is a critical function within our Insurance Business team, dedicated to providing efficient and customer-centric claims services for all motor insurance policyholders. About the Role As a Subject Matter Expert, you will play a critical role in ensuring a smooth, fast, and fair claims experience for our customers. You will be responsible for the end-to-end management of motor own-damage (OD) claims, serving as the primary point of contact for customers and service partners. Must Haves ● Experience: At least 3 years of hands-on experience in Motor Own-Damage (OD) claims survey/assessment. ● Technical Skills: ○ Strong understanding of vehicle mechanics, automobile parts, repair processes, vehicle damage assessment, and repair cost estimation. ● Communication Excellence: Good command of written and spoken English. Multilingual ability is an added advantage. ● Soft Skills: ○ Excellent analytical and problem-solving abilities. ○ Flexible and adaptable to a changing and digital-first work environment. ○ Strong interpersonal, negotiation, and mentorship skills. What We Expect From You ● Oversee and own end-to-end motor claim decisions, acting as the primary escalation point for complex claims. ● Lead the review of surveyor reports, setting standards for validation and ensuring cost-effective repair vs. replacement across the team. ● Drive the use of digital tools for assessment and settlement, providing feedback for process improvement and ensuring team adherence to best practices. ● Manage and optimize the coordination between customers, surveyors, and garages to resolve issues efficiently. ● Handle high-value negotiations and guide the team on effective strategies to control losses while maintaining quality. ● Oversee stakeholder communication, managing escalations and ensuring the team meets and exceeds service TATs. ● Take a key role in network expansion by leading the identification and vetting of strategic garages and surveyors, and making recommendations for empanelment. 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.