SDE - I

About the Team

Navi’s Engineering team builds the backbone of our financial products—spanning 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

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 We Expect From You

Key Responsibilities

• 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.

Must Haves

• 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

Preferred Skills

• 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

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.

Sachin Bansal & Ankit Agarwal

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.