Field Debt Manager

Navi; Guntur District; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Navi is seeking a Debt Management Team Lead in India to oversee a field-based recovery team, plan effective collection strategies, and optimize processes for overdue accounts. The role emphasizes field visits, high-value account management, and timely follow-ups with customers to maximize recovery while maintaining fair practices.

You will guide executives, monitor performance, ensure adherence to SOPs, and stay updated on product services and circulars.

Qualifications

• Strong communication and influencing skills.
• Should have a geographical understanding of the specified area.
• 2 - 5 years of people management experience in sales, operations, customer experience, or collections role.
• Working knowledge of MS Excel and Google Sheets.
• High professional ethics and integrity.
• Qualification: Any Graduate

Responsibilities

• Manage 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 with 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 on the same.
• Ensure that the team adheres to SOPs related to collection, such as timely updation of feedback for assigned accounts, conducting in-depth review and audit of collection cases, alongside reviewing and presenting a synthesis of high-value accounts on a weekly basis.
• 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.

Skills

Strong communication

Geographical understanding

People management

Ethics and integrity

Education

Any Graduate

Tools

MS Excel

Google Sheets

Job description

At Navi, our mission is to simplify finance for a billion people, through technology-first products built at scale.

Founded in 2018 by Sachin Bansal and Ankit Agarwal, Navi has grown rapidly across Loans, UPI,

Insurance, Mutual Funds and Digital Gold – building products designed around speed, simplicity and customer experience.

Today, millions of customers use Navi for experiences like instant personal loans, fully digital home loan sanctions within minutes, low-cost mutual funds, instant credit lines in minutes and one of India’s fastest-growing UPI platforms.

About the Team

The Debt Management team is responsible for ensuring timely and efficient recovery of outstanding dues from customers. Their role involves designing, implementing, and optimizing collection strategies across various channels to minimize 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.

What You’ll Own

• 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 with 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 on the same
• Ensure that the team adheres to SOPs related to collection, such as timely updation of feedback for assigned accounts, conducting in-depth review and audit of collection cases, alongside reviewing and presenting a synthesis of high-value accounts on a weekly basis
• 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.

What Makes You a Great Fit

• Strong communication and influencing skills.
• Should have a geographical understanding of the specified area.
• 2 - 5 years of people management experience in sales, operations, customer experience, or collections role.
• Should have a working knowledge of MS Excel and Google Sheets
• Should have high professional ethics and integrity
• Qualification: Any Graduate

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.

If solving meaningful problems, building at scale, and growing alongside ambitious teams excites you,