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

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.