Area Manager Debt Collections 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
We are seeking a proactive and experienced leader to join our Field Debt Management team as an Area Manager. In this role, you will oversee and guide the team of Field Debt Management Executives (DMEs) 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.

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 2–8 years of experience in leading Business, Sales, Operations, or Collections teams. DEBT COLLECTION EXPERIENCE IS NOT MANDATORY
- MBA freshers are also eligible to apply.
- Robust 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 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 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.

📌 Area Manager (Muzaffarpur)
🏢 Navi
📍 Muzaffarpur