Agency Debt Manager

Navi; Ernakulam; On-site; INR 1,200,000 - 2,000,000; Full time

Benefits offered by this job

ESOPs

Health benefits

Flexible leave policies

Job summary

Navi in Ernakulam, Kerala is seeking an Agency Debt Manager to oversee third-party collection agencies for regional recovery. You will drive performance, ensure adherence to regulations, resolve escalations, and support collection targets while balancing customer experience.

You will analyze performance data, supervise field teams, and implement efficient strategies. Proficiency in Malayalam and English is required to engage with local partners effectively.

Qualifications

• 2+ years as a leader in business, sales, operations or collections.
• Experience with tech-first startups or top FMCGs preferred.
• Entrepreneurial mindset with problem-solving on the ground.
• Experience working with vendors.
• Strong analytical skills and local language knowledge.
• Excellent communication and interpersonal skills with collaborative style.
• Proficiency in Malayalam and English is mandatory.

Responsibilities

• Set up and manage the network of agency partners to drive regional collections.
• Plan effectively for recovery; guide agencies to meet monthly targets.
• Analyze data to assess performance and identify gaps.
• Supervise agency activities and conduct regular audits.
• Guide agencies and agents on performance vs targets.
• Maintain fair collection practices per code of conduct and guidelines.
• Synthesize learning from ground operations to drive efficiency.

Skills

Agency network management

Data analysis

Vendor management

Stakeholder communication

Malayalam proficiency

English proficiency

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 Malyalam 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.