Associate Manager II/Manager - Lending Business

About the Team

Navi operates across Lending, Health Insurance, Mutual Funds, Gold, and UPI. This role is within the Lending function , which is a strategic lever for Navi and central to its mission of making financial services simple, affordable, and accessible for a billion Indians. Lending at Navi is not just about credit distribution—it’s about transforming how credit works in a digital-first world.

The team is responsible for building and scaling one of the most seamless, efficient, and customer-centric lending platforms in the country. From driving business growth and designing product experiences to refining credit strategies and launching new initiatives, Lending plays a pivotal role in Navi’s long-term growth story.

At Lending, 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.

Note: We are looking to hire candidates at the Associate Manager II / Manager level across the Lending vertical, and the final team allocation will be dependent on opportunities available.

Key Operating Verticals

• Cash Loans Business: Run and scale Navi’s personal loan business—owning initiatives across product, growth, and operations
• Home Loans Business: Solve for distribution, growth, and customer experience in the housing finance segment
• Co-Lending & Partnerships: Drive growth by identifying, onboarding, and scaling with external lending partners
• Credit Strategy: Refine customer segmentation, offers, and customer journeys based on data and experimentation, working with analytics and product teams

Core Mandate of Lending Function @ Navi

• Design and scale lending products that make credit truly simple, accessible, and affordable for millions of Indians
• Drive strategic business growth across personal loans, home loans, credit strategy, fundraising & partnerships by identifying new opportunities and unlocking efficiencies
• Leverage technology, experimentation, and data to solve real-world credit challenges at scale
• Build delightful customer experiences that remove friction across the lending journey

Must Haves

• Graduates from top engineering or management colleges looking to build their career in general management
• Strong interpersonal and communication skills, with a high level of empathy
• Business first thinking
• Entrepreneurial mind-set along with an ability to hustle and solve problems on-ground
• Ability to think outside the box and be comfortable dealing with unstructured problem statements.
• Strong analytical skills and good attention to detail. Understanding data & dashboards; being adept at Excel and Google Sheets

What We Expect From You

• Operate with speed, ownership, and a builder mindset—constantly challenging the status quo to create the next version of lending in India
• 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

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.