About the Team

The Borrowing Operations team at Navi is responsible for managing the company's Borrowings with a focus on ensuring compliance, investor experience, and overseeing day-to-day borrowing operations.

About the Role

In this role, you will be responsible for supporting the company's borrowing operations by managing transactions, coordinating with investors, and ensuring compliance with regulatory requirements. The role requires strong attention to detail, ownership of day-to-day processes, and a proactive approach to improving operational efficiency and investor experience.

What We Expect From You

Borrowing Management:

● Prepare monthly MIS.

● Prepare banking proposals for working capital and term loan facilities for the Business Team.

● Maintaining Cashflow of Repayments to lenders.

● Build and maintain strong stakeholder relationship and liaise with banks and financial institutions.

● Manage external rating agencies for the group.

Compliance Management:

● Ensure compliance with RBI and regulations including, debt status reports, due diligence reports, and certification of financial covenants.

● Timely monthly debt servicing, interest, and principal payments.

Other Responsibilities:

● Coordinate title search reports with advocates.

● Submit no default statements to credit rating agencies monthly.

● Manage ROC compliances related to loan facilities and security.

● Verify/confirm data at NESL portal at regular intervals.

● Engage with auditors for timely completion of treasury audits.

● Ensure quarterly ASM audit reports with auditors.

● Roll out balance confirmation requests from all lenders at quarter end.

Additional Tasks:

● Maintain records of various fees paid to banks during the year.

● Ensure timely invoice payments for services availed from external parties.

● Adhoc data requests from stakeholders.

Must Haves

● Ms. Excel Proficiency

● Financial Background

● Good Analytical SkillsMust Haves

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!

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 learning, 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/our-values to see what drives us every day.

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

Senior Associate

Senior Associate II - Borrowing Operations