Field Debt Manager

Navi Limited; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Navi Limited is seeking a proactive Field Debt Manager to oversee a team of Field Debt Management Executives focused on recovering overdue payments from customers in the personal loans portfolio.

You will monitor field activities, coach the team, ensure compliance with policies and regulatory requirements, and drive performance to improve recovery rates and professionalism.

Qualifications

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

Responsibilities

• Managing a team of ground Field Executives for effective recovery of overdue amounts through planned visits to customer addresses.
• Ensure proper planning for effective recovery and guide the field team to reach monthly targets.
• Oversee day-to-day agent activities including performance monitoring and regular follow-ups with customers.
• Guide executives to increase contactability with customers and apply loss prevention activities where applicable.
• Maintain fair collection practices in line with code of conduct and legal guidelines.
• Ensure agents attend meetings, trainings, and highlight accounts requiring legal action with proper process.
• Adhere to SOPs for collection including updates, reviews, and synthesis of high-value accounts weekly.
• Run daily team stand-up/huddle and ensure app adoption by agents.
• Ensure up-to-date knowledge of all circulars and offered products/services.

Skills

Strong communication

Geographical understanding

Education

Any Graduate

Tools

MS Excel

Google Sheets

Job description

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.

About the Role

We are seeking a proactive and experienced leader to join our Field Debt Management team as a Field Debt Manager. In this role, you will oversee and guide the team of Field Debt Management Executives responsible for recovering overdue payments from customers in our personal loans portfolio. You will ensure the team meets collection targets by monitoring field activities, providing coaching, and enforcing compliance with company policies and regulatory requirements. Your leadership will be essential in driving performance, improving recovery rates, and maintaining high standards of professionalism.

What We Expect From You

• 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 requiredHighlight 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 review 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.

Must Haves

• 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

Inside Navi

We are on a mission to make finance simple, accessible and affordable for a billion Indians. Guided by a strong customer-first approach, we are building tech-first solutions that work at scale. Our offerings include a range of financial products and services across Loans, Insurance, Mutual Funds, Digital Gold and UPI.

Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India'sfastest-growing financial services organisations. But we're just getting started!

To know more about us, our work, people, culture, values, etc., check out navi.com/careers.

Our Culture

At Navi, we're a place where ambition meets opportunity and ideas turn into impact quickly. We empower people with high ownership from the start, encouraging them to solve meaningful problems and build with excellence. Teams here work in an environment that values speed, collaboration, and craftsmanship, while celebrating learning, growth, and shared wins along the way. Whether you're shaping the future of fintech products or driving innovation behind the scenes, life at Navi means being part of a high-energy, talent-driven workplace where your contributions truly make a difference.

We're guided by our own operating system - The Navi OS - a set of principles that shape how we work and win together. You can explore them at navi.com/our-values to see what drives us every day.

If this feels like you, Navi is the place to grow, thrive, and make a real impact.