Area Manager - Debt Collections

Navi Limited; Ernakulam, NTR, Bengaluru; On-site; INR 450,000 - 750,000; Full time

Job summary

Navi Limited in India is seeking a dynamic leader to head a field collections team focused on recovering overdue amounts through planned field visits. You will plan strategies to hit monthly targets and mentor executives to improve performance and compliance.

The role requires strong analytical skills, local language knowledge, and a solid grasp of MS Excel/Google Sheets, with emphasis on ethical practices and timely follow-ups.

Qualifications

• Must have graduate with leadership experience in business, sales, operations, or collections.
• MBA freshers are eligible.
• Strong analytical skills and knowledge of the local language.
• Geographical understanding of the specified area.
• Working knowledge of MS Excel/Google Sheets.

Responsibilities

• Manage a team of ground Field Executives to recover overdue amounts through planned visits.
• Plan and drive monthly targets with effective execution and team motivation.
• Monitor day-to-day agent activity, including high-value accounts and timely follow-ups.
• Guide executives to improve customer contactability and perform loss-prevention actions.
• Ensure compliance with code of conduct and legal guidelines.
• Ensure attendance at meetings, trainings, and AHMs.
• Update feedback, review cases, and present weekly high-value account syntheses.
• Run daily stand-up and ensure app adoption by agents.
• Keep the team updated on relevant circulars and product/service offerings.

Skills

Team leadership

Analytical skills

MS Excel/Google Sheets

Local language knowledge

Geographical understanding

Education

Graduate

MBA, freshers eligible

Tools

MS Excel/Google Sheets

Job description

Key Responsibilities

• Managing a team of ground Field Executives for effective & efficient recovery of overdue amounts from default customers through planned visits to customer addresses
• Ensure proper planning for effective recovery through strong execution; guide and motivate the field team to reach monthly targets
• Overview of day-to-day agent activities, including regular performance monitoring, in-person visits for high-value accounts, and regular & timely follow-ups with customers
• Guide executives to increase contactability with customers and execute advanced loss prevention activities wherever applicable (i.e., skip tracing, foreclosures, etc.)
• Maintain fair collection practices in adherence to the code of conduct & legal guidelines and ensure that the team follows the same
• Ensure agents regularly attend all meetings, AHMs, and training sessions as required
• Highlight accounts requiring legal action and follow the process for the same
• Ensure that the team adheres to SOPs related to collection, such as timely updating of feedback for assigned accounts, conducting in-depth review and audit of collection cases, alongside reviewing and presenting a synthesis of high-value accounts every week
• Run daily team stand-up/ huddle, ensure attendance and App adoption by the agent
• Ensure that you and the team are up to date on all relevant circulars and all products/services offered.

Must Haves

• Any graduate with 28 years of experience in leading Business, Sales, Operations, or Collections teams. DEBT COLLECTION EXPERIENCE IS NOT MANDATORY
• MBA freshers are also eligible to apply.
• Strong analytical skills and knowledge of the local language.
• Should have a geographical understanding of the specified area.
• Should have a working knowledge of MS Excel/Google Sheets
• Should have high professional ethics and integrityRole & responsibilities