Associate Manager - Cash Loan Business

Location: Bengaluru

About the Team

The Lending Business team at Navi drives the overall strategy and performance of our loan offerings, including Cash Loans and Home Loans. The team is responsible for growth, customer acquisition, app journey conversions, communication strategy, pricing, fees, product compliance, and P&L ownership. The team ensures every lever is optimized to build accessible, scalable, and high-performing lending products.

Specifically, the Growth team within the Cash Loans Business is responsible for driving customer engagement and conversion, resulting in revenue growth.

Our mission is to make every customer outreach & communication relevant, useful, timely, and effortlessly clear - so that the customer feels Navi understands them.

About the Role

You'll drive growth for Navi's Cash Loans business—boosting engagement, conversion, and revenue through smart customer segmentation, end-to-end CRM journeys (WhatsApp, RCS, Push, SMS), and rigorous A/B experimentation. You'll work closely with Product, Analytics, and Tech, and turn customer insights into improvements that make every outreach relevant and useful.

What We Expect From You

• A customer-first mindset - you understand customer pain points, behaviour deeply enough to craft messaging and campaigns that feel relevant, clear, and persuasive to Navi's cash loans audience.
• Strategic thinking - you segment customers into meaningful cohorts, identify high-impact growth opportunities
• Experimentation with analytical rigour - you design and run growth experiments across copy, channel, timing, and audience variables; analyse results, interpret what drove the outcome, and translate findings into actionable improvements that lift conversion and revenue.
• Manage End-to-End CRM User Flows - Build, and scale automated customer communication journeys on high-impact CRM channels- including WhatsApp, RCS, Push Notifications, and SMS - to guide users seamlessly through their journey.
• Process and workflow improvement - you continuously improve marketing and revenue growth processes and workflows - making the team faster, more precise, and more scalable with every iteration.
• Cross-functional collaboration - you partner seamlessly with Product, Analytics, and Tech teams to identify, and build revenue-driving features.
• Strong bias to action - you bring high agency to ambiguous problems and stay curious about why customers behave the way they do.

Must Haves

• 0-1 years of experience in growth marketing or revenue growth roles in a fast-paced B2C environment.
• High Agency & Curiosity
• Proven experience designing and interpreting growth experiments (A/B and multivariate) — tied to engagement, or revenue metrics, with a track record of turning test results into scaled improvements. Basic SQL is preferred.
• Experience writing or shaping customer-facing messaging — with the ability to translate complex financial product information into simple, direct communication that resonates with a diverse, mass-market audience.
• Past experience in fintech, consumer lending, growth-stage product companies is strongly preferred.

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

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/careers/values-at-navi to see what drives us every day.

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