About Navi

At Navi, our mission is to simplify finance for a billion people, through technology-first products built at scale.

Founded in 2018 by Sachin Bansal and Ankit Agarwal, Navi has grown rapidly across Loans, UPI, Insurance, Mutual Funds and Digital Gold - building products designed around speed, simplicity and customer experience.

Today, millions of customers use Navi for experiences like instant personal loans, fully digital home loan sanctions within minutes, low-cost mutual funds, instant credit lines in minutes and one of India's fastest-growing UPI platforms.

What makes Navi different is the way we build. We move fast, solve real customer problems and give people the ownership to create meaningful impact early in their journey.

Why Explore a Career at Navi

Where Ownership Creates Real Impact At Navi, ownership starts early. People here are trusted to solve problems, make decisions and drive outcomes that directly shape the products and experiences used by millions of customers every day.

Where Careers Accelerate Growth at Navi is driven by impact, not tenure. We strongly believe in promoting from within and creating opportunities for people to take on larger responsibilities as they grow. If you consistently raise the bar, you'll find the space to grow quickly here.

Where Great Talent Builds Together We take pride in building high talent-density teams where ambitious people learn from one another every day. Working on high-scale business and technology problems creates steep learning curves, fast execution cycles and opportunities to make visible impact throughout your journey.

About the Team

Navi's Engineering team builds the backbone of our financial productsspanning lending, payments, insurance, investments, and debt management. We operate as cross-functional teams that work closely with Product, Data, and Business functions to deliver reliable, high-performance systems at scale. Our engineers focus on solving real-world challenges through scalable architecture, automation, and long-term thinkingensuring every Navi product is built to serve millions efficiently and seamlessly.

About the Role

This role involves building and maintaining robust backend systems, solving real-world technical challenges, and optimizing performance. It requires strong foundations in clean coding practices, peer reviews, and agile development. Best suited for someone who values ownership, quality, and adaptability in a high-performance environment.

What You'll Own

Implement assigned features and changes through performant and maintainable code, with appropriate test coverage (unit, contract, component).
Understand the design and architecture of the component/service and implement low-level designs (LLDs) following best practices.
Perform effective code reviews for peers.
Consider customer experience and product performance in implementation.
Develop awareness of how your work impacts key product metrics.
Handle on-call responsibilities effectively within the team.
Contribute to RCA discussions and support RCA documentation.
Proactively gather and understand requirements for assigned features.
Ask questions, clarify uncertainties, and document requirements accurately.
Collaborate effectively with developers in the team to implement features with quality.

What Makes You a Great Fit

Proficiency in at least one of the following languages: Java, Go, or Kotlin
Solid understanding of object-oriented design, design patterns, and data structures
Experience in implementing algorithms to solve real-world problems
Proven track record in building and maintaining backend systems
Ability to troubleshoot and optimize backend systems for better performance
Learn and contribute to distributed system design under mentorship.
Demonstrated expertise in unit testing, peer code reviews, and familiarity with agile methodologies
Good verbal and written communication and interpersonal skills
A history of delivering on-time with a focus on quality output
Emphasis on observability, ensuring systems are well-monitored and maintainable
At least 1+ years of software development experience

Soft Skills & Traits

Familiarity with event-driven architectures and messaging systems (e. g., Kafka, RabbitMQ)
Knowledge of security best practices for backend services and API endpoints
Ability to quickly adapt to new and complex development environments
Strong analytical skills with the ability to deep dive into technical challenges

The Navi OS

The Navi OS is our Operating System for how we work every day. Success at Navi is defined by living these core values.

Start with the Customer
Master the Details
Act with Urgency
Own the Outcome
Build for a Decade - Not a Day
Win as One

We hire talented individuals who already show these strengths, because those who share these values thrive at Navi and grow with the organisation.

To read more about the Navi OS, visitnavi.com/our-values

Life at Navi

Life at Navi is fast-paced, ambitious and deeply collaborative. Beyond work, teams come together through sports, celebrations, offsites, music jams, team outings and many more shared experiences that make the journey exciting and memorable.

We believe people do their best work when they feel supported, through flexible leave policies, strong health and wellness benefits, free financial, legal and medical consultations, ESOPs and a workplace designed for both productivity and well-being.

Whether it's the sports turf, gym, focus zone or nap rooms, the campus is built to make everyday work more enjoyable.

If you'd like to know more about life at Navi, our culture and employee benefits, head to our careers page:navi.com/careers/life-at-navi

If solving meaningful problems, building at scale and growing alongside ambitious teams excites you,

Navi could be the place for you

SDE I (Backend)