Senior Associate II - Payment Operations

Location: Bangalore

About the Team

The Treasury - Investments team at Navi is responsible for managing the company's

treasury with a focus on ensuring liquidity, managing financial risk, and overseeing

day-to-day banking operations. The team also plays a critical role in creating and

executing investment strategies to optimize returns.

About the Role

The payments operations role focused on managing end-to-end payment experiences, ensuring

accurate reconciliations, resolving transaction issues, and coordinating with internal teams and

external partners. The role supports daily banking operations, monitors payment success rates, and

contributes to process improvements to enhance customer experience and operational efficiency.

Key Responsibilities

● Reconciliation Management : Perform daily reconciliation of UPI credit transactions via tech

systems, Identify and resolve discrepancies in transaction data across multiple systems

● Transaction Processing : Execute manual transaction postings when automated systems fail

or require intervention

● Banking Partner Operations: Manage duplicate customer ID issues and data reconciliation

with our banking partners( Karnataka Bank and Yes Bank)

● Solving payment issues of customers with internal (Product and Tech Team) and external

stakeholders ( Banks & PA's)

● Monitor 24*7 payment success rates across banks, payment gateways and partners and

continually improve the same through operational initiatives.

● Ad hoc Requests with regards to the overall Banking operations of the institute.

● Account Opening and API setup for the various Business requirements.

● Coordinating with banks, auditors and other stakeholders involved in the payment process.

● Audit of Bank Account transactions.

● Account Management: Oversee the complete account closure process from initiation to

completion

● Customer Incident Management: Handle escalated customer incidents related to UPI credit

transactions, Coordinate cross-functional response teams for critical issues

Must Haves

● Strong process orientation & execution skills

● Should have good analytical skills.

● Sound problem solving, conflict resolution and coordination abilities.

● Excellent organization, written/ verbal communication, analytical, and presentation skills.

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.