SDE I (Backend)

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

About Navi

Navi is on a mission to make finance simple, accessible, and affordable for a billion Indians. Guided by a strong customer-first approach, the company is building tech-first solutions that work at scale.

Their 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, Navi is one of India’s fastest-growing financial services organizations.

Our Culture

At Navi, 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 work in an environment that values speed, collaboration, and craftsmanship, while celebrating learning, growth, and shared wins. The company is guided by 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 them every day.

If this feels like you, Navi is the place to grow, thrive and make a real impact.