Subject Matter Expert - Motor Claims

Navi; Bengaluru; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Navi in Bengaluru is seeking a Subject Matter Expert to own the end-to-end motor own-damage claims process, serving as the primary contact for customers and service partners. You will lead surveyor reviews, drive cost-effective repair decisions, and champion digital tools to speed settlements.

You will also mentor the team, coordinate with garages, and ensure adherence to best practices while managing escalations and achieving service targets in a fast-moving, digital-first environment.

Qualifications

• Hands-on experience with motor own-damage claims survey/assessment.
• Strong understanding of vehicle mechanics, parts, repair processes, and cost estimation.
• Clear English communication, analytical and problem-solving abilities.
• Flexible and adaptable to a digital-first work environment.
• Strong interpersonal, negotiation, and mentorship skills.

Responsibilities

• Oversee end-to-end motor claim decisions and act as primary escalation point for complex claims.
• Lead review of surveyor reports, set standards for validation and cost-effective repairs.
• Drive use of digital tools for assessment and settlement; provide process improvement feedback.
• Coordinate between customers, surveyors and garages to resolve issues efficiently.
• Handle high-value negotiations and guide the team on loss-control strategies.
• Oversee stakeholder communication, manage escalations and ensure service targets are met.
• Lead identification and vetting of strategic garages and surveyors; make empanelment recommendations.

Skills

Motor OD claims

Vehicle mechanics

Repair cost estimation

English communication

Analytical thinking

Problem solving

Adaptability

Interpersonal skills

Negotiation

Mentorship

Job description

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.
  • 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
• 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.

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!

To know more about us, our work, people, culture, values, etc., check out

navi.com/careers.

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 earning, 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/careers/values-at-navi to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive, and make a real impact.