Job Description

About the Team
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.
Monitoring and supervision of 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 Malayalam and English is mandatory.
About 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's fastest-growing financial services organisations. But we're just getting started!
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.

Skills Required