Area Manager - Debt Collections

Navi Limited; Muzaffarpur; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Navi Limited is seeking a capable professional to lead a field-based collections team, driving recovery of overdue amounts through planned customer visits and effective planning. The role emphasizes compliance, performance monitoring, and regular client follow-ups to safeguard high-value accounts.

The ideal candidate will have leadership experience in business/sales/operations, strong analytical skills, and local language proficiency, with MS Excel/Google Sheets competence.

Qualifications

• Graduates with experience in leading business, sales, operations, or collections teams; debt collection experience not mandatory.
• MBA freshers are eligible to apply.
• Strong analytical skills and knowledge of the local language.
• Should have a geographical understanding of the specified area.
• Proficient in MS Excel/Google Sheets.
• High professional ethics and integrity.

Responsibilities

• Managing a team of ground Field Executives for recovery of overdue amounts from default customers through planned visits to addresses.
• Plan and execute to help the team reach monthly targets.
• Monitor day-to-day activities and conduct regular follow-ups with customers for high-value accounts.
• Guide executives to increase customer contactability and apply loss prevention actions.
• Ensure fair collection practices and adherence to conduct and legal guidelines.
• Ensure attendance at meetings, trainings, and adhere to SOPs for collections.
• Identify accounts needing legal action and follow procedures accordingly.
• Synthesize high-value accounts and present weekly reviews.
• Lead daily stand-ups and ensure app adoption by agents.
• Stay updated on all circulars and products/services offered.

Skills

Team leadership

Performance monitoring

Analytical skills

Local language knowledge

Geographical understanding

MS Excel

Google Sheets

Education

Graduate

MBA

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 integrity