Result-driven professional with 18 years of experience in Collections, Debt Recovery, and NPA Management in the Banking & Financial Services sector. Expertise in managing end-to-end collection processes for Retail Loans (Home Loans, Personal Loans, Loan Against Property, Auto Loans, etc.) and Credit Card Debt Recovery. Proven track record in reducing delinquencies and improving recovery rates through strategic planning, field collections, and legal interventions. Skilled in implementing SARFAESI Act, DRT, Lok Adalat, and other legal recovery mechanisms to resolve Non-Performing Assets (NPAs). Strong exposure to regulatory compliance, risk management and MIS reporting for collections and recovery operations. Adept at leading high-performing teams driving operational efficiency, and fostering a customer-centric approach while ensuring debt recovery.
Hi, I’m
SK Asraful Hussain
Zonal Collection Manager
Siliguri,WB
Summary
Overview
18
years of professional experience
4
Languages
Work History
ICICI BANK LTD.
Regional Collection Manager
06.2015 - Current
Job overview
- Managing collections and recovery operations for Retail Loans (Home Loans, Personal Loans, Loan Against Property, Auto Loans) and Credit Card Debt across North Bengal and Sikkim
- Developed and implemented collection strategies to minimize delinquencies and improve recovery rates.
- Supervised a team of 25 collection agents and legal advisors to ensure timely recovery of dues.
- Utilized SARFAESI Act, DRT, and Lok Adalat for resolving Non-Performing Assets (NPAs) and recovering dues from defaulters.
- Conducted field visits to monitor collection activities, resolve disputes, and ensure compliance with regulatory guidelines.
- Prepared and analyzed MIS reports to track collection performance, identify trends, and recommend corrective actions.
- Coordinated with legal team and external advocates to handle court cases, civil suits, and recovery proceedings.
- Ensured adherence to RBI guidelines and internal policies during collection and recovery processes.
- Achieving 10% reduction in NPA Book month on month and a drastic improvement in recovery rates within stipulated timeframe.
- Successfully resolved multiple high-value NPA accounts through legal interventions and field collections.
- Trained and mentored 25-30 team members, improving overall team efficiency by Multifold.
AVIVA Life Insurance Company Limited
Senior Executive (Customer Retention)
02.2014 - 06.2015
Job overview
- Worked towards upgrading and retaining existing customers to renew their insurance policy subscriptions.
- Visited client locations to collect premium cheques/amounts for retained customers in the assigned region.
- Presented Features & Benefits (F&Bs) of insurance plans based on client requirements to ensure future returns.
- Promoted the benefits of long-term investment in insurance to encourage policy renewals and additional investments.
Ginger Soft Media Pvt. Ltd.
Senior Executive (Customer Support)
11.2012 - 07.2013
Job overview
IIT Insurance Broking & Risk Management Pvt. Ltd.
Operations Executive
11.2012 - 07.2013
Job overview
Future Generali India Life Insurance Co. Ltd.
Customer Relationship Officer (Customer Retention)
07.2009 - 11.2012
Job overview
Bajaj Allianz Life Insurance Co. Ltd
Customer Support Representative
05.2007 - 07.2009
Job overview
Education
Burdwan UniversityBurdwan, West Bengal
BA from English
University Overview
Sanko Chandrasekhar High SchoolBurdwan, West Bengal
12th
University Overview
CMS High SchoolBurdwan, West Bengal
10th from State Board
University Overview
Skills
Collections & Recovery Strategies
Personal Information
Personal Information
Date of Birth: 12/24/83
Location Preference
Location Preference
Kolkata, West BengalTimeline
Regional Collection Manager
ICICI BANK LTD.
06.2015 - Current
Senior Executive (Customer Retention)
AVIVA Life Insurance Company Limited
02.2014 - 06.2015
Senior Executive (Customer Support)
Ginger Soft Media Pvt. Ltd.
11.2012 - 07.2013
Operations Executive
IIT Insurance Broking & Risk Management Pvt. Ltd.
11.2012 - 07.2013
Customer Relationship Officer (Customer Retention)
Future Generali India Life Insurance Co. Ltd.
07.2009 - 11.2012
Customer Support Representative
Bajaj Allianz Life Insurance Co. Ltd
05.2007 - 07.2009
Burdwan University
BA from English
1 2006
Sanko Chandrasekhar High School
12th
1 2002
CMS High School
10th from State Board
1 2000
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