Associate Manager - (Strategy and Business Operations)

About the Team

Navi operates across Lending, Health Insurance, Mutual Funds, Gold, and UPI. This role is within the Strategy & Business Operations (SBO) function, which supports all business lines and serves as the front-end for non-automated customer interactions.

SBO's Core Mandate:

● Act as the voice of the customer within Navi and represent Navi to its customers.

● Drive industry-first, customer-facing innovations to solve large-scale problems (e.g., increasing cashless health claims from 50% to 90%, or tackling fraud in debt management and claims).

Key Operating Verticals:

● Debt Management: Focus on making our lending portfolio profitable by ensuring we get most of money back we have lent using data science and human behavior principles.

● Customer Experience: Understanding users pain points and work with product and tech to

better our offerings.

● Claims: Give the best ever customer experience to genuine customers and catch all fraudulent cases upfront

● Operations: Non customer facing operations focussed on making customer experience better while managing operations risk

Central Functions:

● Process Excellence: Create, audit and improve people and various processes : broadly involves auditing and doing RCAs on people and processes and using that to drive actions which improves the business metrics for short and long term.

● Control Tower: Real time monitoring of all critical business metrics along with pre-empting and intervening any issues at early stage

About the Role

At SBO, we are looking for bright people who are at the very cusp of their professional journey

and have potential to be in the top 0.1% in whatever they take up. This position provides a chance to work with the best and in process learn what it takes to attain the highest professional potential.

If you are someone who has exceeded expectations in MOST of the things you have taken up in

your life (be it academics, or work, or any hobbies), it’s a place made for you.

What We Expect From You

● Define and refine program objectives, strategies, and execution plans

● Lead end-to-end program management, ensuring timely delivery and issue resolution

● Collaborate with cross-functional teams (product, tech, analytics) to co-create solutions and drive business outcomes

● Design and execute experiments to test new ideas and identify the most effective approaches

● Develop workflows, dashboards, and metrics to track performance and effectiveness

● Ensure project quality through adherence to best practices and continuous improvement

● Identify risks early and implement mitigation strategies

● Be part of a strategic initiative with the potential to transform the industry

Must Haves

● Strong business-first mindset with a problem-solving approach

● Highly analytical and data-driven in decision-making

● Excellent verbal and written communication skills

● Strong interpersonal skills with a collaborative working style

● Self-starter with the ability to thrive in a fast-paced, dynamic environment

● Proactive and innovative; comfortable exploring unconventional solutions

● Tech-savvy and open to working in a technology-driven setup

● Willingness to be hands-on and dive deep into problem-solving

Inside Navi

We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech-first solutions that work at scale, with a strong customer-first approach.

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

The Navi DNA

Ambition. Perseverance. Self-awareness. Ownership. Integrity.

We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and

improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you.

We chase excellence by uplifting each other—and that starts with every one of us.

Why You'll Thrive at Navi

At Navi, it’s about how you think, build, and grow. You’ll thrive here if:

● You’re impact-driven : You take ownership, build boldly, and care about making a real difference.

● You strive for excellence : Good isn’t good enough. You bring focus, precision, and a passion for quality.

● You embrace change : You adapt quickly, move fast, and always put the customer first.