Associate Manager II - Legal; Borrowings & Co-lending

Position: Associate Manager II - Legal (Borrowings & Co-lending)
Location: Bengaluru

About the Team
The LSC team at Navi serves as a strategic partner to the business, ensuring the company's operations align with legal and regulatory frameworks. The team provides comprehensive legal counsel across various domains, including corporate law, regulatory compliance, and risk management. The team oversees corporate governance, ensuring adherence to statutory obligations and facilitating effective board and shareholder engagements. The team proactively manages compliance across multiple regulated sectors, adapting to evolving regulatory landscapes.

About the Rol
You will be a key legal advisor for Navi's borrowings, debt fundraising, co-lending, and treasury-related transactions. You will partner closely with business, strategy, and finance teams to structure and negotiate complex debt and co-lending deals, while ensuring full compliance with applicable regulatory frameworks. This is a hands-on role demanding strong legal acumen, independent ownership, and comfort navigating fast-paced financial environments.

What We Expect From Y
Lead end-to-end  legal advisory for debt financing transactions , including  term loans, debentures, securitisation and public debt issuances , covering structuring, negotiation and execution.
Provide legal support for  investment and borrowing transactions , ensuring robust risk mitigation and regulatory compliance.
Structure, negotiate and implement co-lending arrangements with partner financial institutions.
Draft, review and negotiate  a wide range of corporate and commercial agreements.
Advise the business on compliance with RBI, NBFC and digital lending regulatory frameworks.
Oversee legal aspects of  strategic investments ,  managing transactions from inception through closure .
Coordinate with consultants, advisors and external counsel to deliver complex legal projects efficiently.
Monitor and  analyse regulatory developments  impacting treasury and financing operations.
Present key legal issues, risks and  recommendations to senior management  and the Board.

Must Have
Law degree  from a recognised, highly-ranked university
3 to 5 years PQE
Strong analytical  and  interpersonal skills  with the ability to make considered decisions in a  fast-paced environment
Exceptional communication  skills (both written and verbal)

Experience with a  banking and finance practice  at a  corporate law firm  or  fintech company  is highly desirable
Ability to work  independently  with minimal supervision, exercise  sound judgment , and manage all  internal and external stakeholders  effectively

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  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    to see what drives us every day.

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