SDE II (Backend)

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 thinking ensuring every Navi product is built to serve millions efficiently and seamlessly.

About the Role

As an SDE-2 you'll play a key role in building backend systems that are robust, cost-effective, and optimized for performance. This role requires strong problem-solving ability, technical expertise, and a mindset of continuous improvement.

You'll work closely with stakeholders, demonstrate high quality and consistency in code

and reviews, and contribute to improving team standards through feedback and collaboration.

What You'll Own

• Strong ownership and accountability in all areas of your work
• Ability to collaborate and communicate effectively across teams and stakeholders
• Comfortable working in a dynamic environment with shifting priorities
• Attention to detail, balanced with a pragmatic approach to problem-solving
• Consistent delivery of high-quality outcomes while meeting deadlines
• Curiosity to learn and the initiative to mentor and share knowledge with others

What Makes You a Great Fit

• Proficiency in at least one of: Java, Python, Go, or Kotlin
• Strong grasp of object-oriented design, design patterns, and data structures
• Proven ability to design and implement algorithms for complex real-world problems
• Experience in building backend systems focused on scalability, performance, robustness, and cost-efficiency
• Skilled in troubleshooting and performance optimization of distributed systems
• Consistent drive to improve, automate, and scale systems and tools
• Strong coding practices, including design documentation, unit testing, peer reviews, and an agile mindset
• Communicate effectively with peers, product managers, and cross-functional partners to ensure smooth delivery.
• Demonstrated record of on-time delivery with a focus on output quality
• Emphasis on observabilitysystems must be monitorable and maintainable
• Minimum of 3 years of software development experience
• Strong written and verbal communication skills

Good to Haves

• Exposure to event-driven architectures and tools like Kafka or RabbitMQ
• Understanding of security best practices for backend services and APIs
• Ability to quickly adapt to new, complex development environments
• Experience in mentoring and guiding junior engineers

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, visit navi.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.