Job Description

About the Team
Currently, Navi is into Lending, Health Insurance, Mutual Funds, Gold & UPI. This position is for the function SBO (Strategy & Business Operations), which spans across all of these businesses. SBO is front end for all non-automated interactions with Navi customers and
has two broad focus areas:
1. Be the representative of the customers in Navi and the representative of Navi to
the Customers
2. Build Industry first and best ever customer-facing innovations across products - Look for big problem statements which can create long-term step-jump results (e.g. how to make cashless health claims to 90% - Industry is at 50% or how to solve fraud in debt management and claims)
SBO currently has four operating verticals with a prime focus on achieving business objectives:
1. Debt Management - Focus on making our lending portfolio profitable by ensuring we get the most of money back, we have lent using data science and human behavior principles.
2. Customer Experience - Understanding users' pain points and working with product and tech to better our offerings.
3. Claims - Give the best ever customer experience to genuine customers and catch all fraudulent cases upfront
4. Operations - Non-customer-facing operations focused on making the customer experience better while managing operations risk
SBO also has central functions to ensure constant innovation & support for operating verticals:
1. 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 improve the business metrics for short and long term.
2. Control tower - Real-time monitoring of all critical business metrics, along with pre-empting and intervening in any issues at an early stage
About the Role
City CEO is a general management role that involves leading a team of debt management executives/managers, owning business targets, and contributing to key strategic initiatives in the debt management charter.
What We Expect From You
Performance Management:- Responsible for hitting the topline and bottom-line targets- Build processes and metrics that are consistent and scalable- Own the debt management P&L of Navi in his/her region
People Management:- Build and manage a team of debt management executives and managers- Work closely with central teams like Finance, HR, Quality, Vigilance etc.
Strategic Initiatives:- Come up with Operations design strategies for step jump improvements- Conduct experiments to validate insights and scale successful experiments through cross-team collaboration
Must Haves
Consistent high achievement in academics and work (top 0.1%) with experience of up to 3 Years.Impact-driven mindset coupled with a strong bias to actionWillingness to take on a high-impact execution oriented role as part of a fast-paced environment
Growth Path
We see City CEOs as being fungible and move easily into most central office roles, within Strategy, Business & Operations, and also across other businesses of Navi. Hence, people doing well in the role will have the option to move to a central role operating out of Navi
Headquarters in Bangalore, post 2 years.
About Navi
We are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our 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, we are one of India's fastest-growing financial services organisations. But we're just getting started!
Our Culture
At Navi, we're a place where 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 here work in an environment that values speed, collaboration and craftsmanship, while celebrating learning, growth and shared wins along the way. Whether you're shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.
We're guided by our own operating system - 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 us every day.
If this feels like you, Navi is the place to grow, thrive and make a real impact

Skills Required