Agency Debt Manager

Navi; Chennai; On-site; INR 800,000 - 1,200,000; Full time

Benefits offered by this job

Flexible leave policies

Health and wellness benefits

ESOPs

Job summary

Navi in India is seeking an Agency Debt Manager to oversee third-party collection agencies, ensuring compliant, effective recovery across the region. You will drive performance by engaging agencies, enforce process adherence, resolve escalations, and support delivery of collection targets in Tamil Nadu and neighboring markets.

This role blends data-driven analysis with field leadership, guiding agency field teams, auditing activities, and maintaining fair practices.

Qualifications

• 2+ years of experience in debt collection or operations.
• Experience with tech-first startups or top FMCGs preferred.
• Entrepreneurial mindset with ground problem-solving ability.
• Experience working with vendors.
• Strong analytical skills and Malayalam and English proficiency.

Responsibilities

• Set up and manage network of agency partners to drive collections for the region.
• Plan for effective recovery and guide agencies to meet monthly targets.
• Data analysis to assess performance and identify gaps.
• Monitor agency and end agents; conduct regular audits.
• Guide agencies and agents on performance vs targets.
• Maintain fair collection practices per code of conduct and legal guidelines.
• Synthesize learning from ground operations to drive efficiency.

Skills

Analytical skills

Vendor management

Entrepreneurial mindset

Problem solving

Communication skills

Collaboration

Local language

Job description

The Debt Management team is responsible for ensuring the timely and efficient recovery of outstanding dues from customers. Their role involves designing, implementing, and optimising collection strategies across various channels to minimise delinquencies and improve cash flow. The team focuses on balancing customer experience with recovery effectiveness by using data-driven insights, segmentation, and targeted action plans.

About the Role

The Agency Debt Manager is responsible for overseeing and managing third-party collection agencies to ensure effective recovery of outstanding dues while maintaining compliance with regulatory and company guidelines. This role involves driving performance through agency engagement, ensuring process adherence, resolving escalations, and supporting overall collection targets in the assigned region.

What We Expect From You

• Set up and manage the network of agency partners to drive collections for the region.
• Ensure proper planning for effective recovery through strong execution; guide and motivate agencies and their field teams to meet monthly targets.
• Data analysis to assess performance and identify key gaps while driving the results.
• Monitor and supervise the activities of the allotted agency and end agents, conducting regular audits.
• Guide the agencies and agents regarding their performance vs targets.
• Maintain fair collection practices in adherence to the code of conduct & legal guidelines and ensure that the team follows the same.
• Synthesise learning from ground operations and generate insights/ideas for driving better efficiency.

Must Haves

• Business / Sales / Operations/ Collection leader with 2+ years of relevant experience.
• Experience with tech-first startups or top FMCGs preferred.
• Entrepreneurial mindset, along with an ability to hustle and solve problems on the ground.
• Experience working with vendors.
• Strong analytical skills and knowledge of the local language.
• Excellent communication and interpersonal skills with a collaborative management style.
• Required Languages: Proficiency in Malayalam and English is mandatory.

Life at Navi

Life at Navi is fast-paced, ambitious and deeply collaborative. Beyond work, teams come together through sports, celebrations, offsites, music jams, team outings and many more shared experiences that make the journey exciting and memorable.

We believe people do their best work when they feel supported, through flexible leave policies, strong health and wellness benefits, free financial, legal and medical consultations, ESOPs and a workplace designed for both productivity and well-being. Whether it’s the sports turf, gym, focus zone, or nap rooms, the campus is built to make everyday work more enjoyable.

If you’d like to know more about life at Navi, our culture, and employee benefits, head to our careers page: navi.com/careers/life-at-navi.