Indrajit Bhattacharjya
Guwahati
Summary
- In quest of career enrichment opportunities in Credit & Collections / Sales & Marketing / Relationship Management with a leading organization in the Banking / Financial Services/Automobiles /Real Estate and CE Industry.
Professional Synopsis
- With nearly 14 years months of experience in dynamic field like sales , customer service and majorly in Collections with in house team and vendor based collections.
- Demonstrated abilities in expanding the market, brand building, generating new business and targeting the potential customers recoveries, Sales & Marketing, Client Relationship Management and Team Management, channel sales management, customer service operations, Dealer Channel collections, Direct collections along with managing dealers and retail outlets.
- Competent in implementing effective solutions to the customer needs, with an aim to improve customer contentment and consequently customer loyalty, repeat and referral business.
- Skilled in managing work in sync with the corporate set parameters & motivating them for achieving business and individual goals and also improving team's interpersonal skills.
- An effective communicator with good presentation skills and abilities in developing business partnerships.
Overview
14
14
years of professional experience
Work History
Regional Collection Manager(FASR-II)
Caterpillar Financial Services India Pvt Ltd
Guwahati
09.2021 - Current
- Handling 0-N portfolio out of which a delinquency portfolio of 49.85 Cr for Collections for Entire North-eastern States and some districts of West Bengal including Siliguri ,Cooch Bihar, Alipurduar ,Jaigaon - CE Division
- Managing PD buckets through regular follow-ups with collection team of 3 Area Manager & 14 Collection Managers & Collection vendors/agencies for collections/recoveries and also keeping control on higher flows through repo network team by repossession of the asset
- Implement collection strategies at the regional level for efficient collections and recovery of outstanding loans.
- Monitor & review the activities of the collection's teams & collection agencies for the achievement of collections targets on monthly basis
- Ensuring effective debt collection mechanisms for timely receipt of money from clients
- Ensure timely achievement of collections targets by formulating & executing collections strategy
- Closely work with TM sales & developed and implemented dealer sales team & service engineers' relations programs to increase moral, productivity and efficiency in collection strategies
- Encouraged and supported team like work environment
- Monitor and ensure adherence to the collection process and take preventive action against collection agencies and agents; discontinue agencies based on performance, while also handling the setup and maintenance of a network of repo agencies.
- Responsible of remarketing of repossessed assets and liquidation
- Ensuring company compliance policy to all audit regulations as well as polices
- Effectively manage Channel partner expectations & improve the quality of Relationship Management (at different levels to build a mutually benefiting model)
- Partner with regional sales & credit team to ensure quality sourcing
- Achieved Employee of the year recognition for resolving highest NI value (10 CR) delinquency case of the region i.e. Mr Manaranjan Brahma through Repossession of his assets & 3rd party Settlement
- Achieved Super champ award for 3rd quarter of 2022 for achieving targets consecutively for three months
- Month on Month showed good incremental figures in collection books in spite of collection challenges
- Dexterously performed in reducing NPA from all over Northeast
- Conceptualize and implemented various measures, initiatives in maintain the health of portfolio and lowering the NPA
- Awarded for solving 4 high SSTR NPA Customers in year 2022 with appreciation.
- Awarded Special Recognition award by MD himself for the year 2023 & 2024 for Repossessions.
STATE COLLECTION MANAGER
Brahmaputra Infrastructure Ltd
Guwahati
12.2020 - 09.2021
- Responsible for Collections for Entire Northeast - Home loan (Personal credit- through local Finance) & Construction equipment's & Scaffolding's portfolio for rental Collection distributed to real estate companies, Class 1 Contractors & Govt bodies i.e., GMC, PWD, Water resource Management etc
- Responsible for Credit & risk management before entering into deal through appointed external credit rating agency's & also conducting company's/Individual's background check for scaffolding portfolio
- Handling A team of total 30 Members driving through collection executives & Sales executives beneath me responsible for home loan collection, rental collection targets of construction equipment's & scaffolding materials, Sales target of home loans, deployment of construction equipment's into various markets
- Identifying improvement areas & implementing measures to increase the efficiency of collection expected by management on monthly basis
- Ensuring effective debt collection mechanisms for timely receipt of money from clients
- Maintaining good relationships with Govt dept like NHAI, NHIDCL, GMC, PWS, Water Resource Dept etc
- For carry out the bad depts payments on behalf of the defaulter clients who failed to pay the rentals for scaffoldings portfolio
- Controlling and monitoring the delinquencies and conducting training sessions to boost technical and soft skills of the associates
- Monitoring ledger accounts with respect of their conduct in order to ensure profitability and minimize the risk of being classified under loss
COLLECTIONS MANAGER
Hero Fincorp Ltd.
Guwahati
03.2020 - 12.2020
- Responsible for Collections at Guwahati, Meghalaya and Lower Assam - Agency based portfolio Collection
- Handling A team of total 120 Members driving through Agency
- Maintaining compliance for collections, relationship with customers
- Identifying improvement areas & implementing measures to maximize customer satisfaction level
- Ensuring effective debt collection mechanisms for timely receipt of money from clients
- Controlling and monitoring the delinquencies and conducting training sessions to boost technical and soft skills of the associates
- Monitoring accounts with respect of their conduct in order to ensure profitability and minimize the risk of being classified under GNPA
- Team management is an important part to carry out the results as its a channel business
- Effectively manage Channel partner expectations & improve the quality of Relationship Management (at different levels to build a mutually benefiting model)
- Timely closure of Settlements approvals, RC updating, NOC requests in Indus
- Responsible for repossession of NPA vehicles and timely flagging in Indus after getting approval in Omni Flow
TERRITORY MANAGER -COLLECTIONS
Tata Motors Finance Ltd
Guwahati
10.2015 - 02.2020
- Responsible for Collections at Guwahati, Meghalaya, Manipur and Lower Assam - Under Dealer driven and Direct portfolio
- Handling A team of total 55 Members with good team bonding and result oriented
- Maintaining Internal Audit, compliance for branch, collections, relationship
- Identifying improvement areas & implementing measures to maximize customer satisfaction level
- Monitoring credit, risk & sales process, setting processes for maintaining healthy portfolios
- Ensuring effective debt collection mechanisms for timely receipt of money from clients
- Controlling and monitoring the delinquencies and conducting training sessions & in-house forums to boost technical and soft skills of the in house executives
- Carrying out reference checks with known people of any particular industry to verify the credibility of the customer in the market
- Monitoring accounts with respect of their conduct in order to ensure profitability and minimize the risk of being classified under SMA/NPA
- Team management is an important part to carry out the results as its a channel business
- Achieved Wolf pack award for the 2nd quarter 2017-18, for Outstanding performance
- Achieved Super champ award for 3 rd quarter of 2017 -18 for achieving every single milestone targets continuously for three months
- Month on Month showed good incremental figures in collection books in spite of collection challenges
- Dexterously performed in reducing NPA from all over my designated area
- Conceptualize and implemented various measures, initiatives in maintain the health of portfolio and lowering the NPA
- Awarded for solving 4 high SSTR NPA Customers in year 2019 with appreciation awards
SALES/CUSTOMER SERVICE OPERATIONS
Vodafone Spacetel Ltd
Guwahati
11.2012 - 09.2015
- Identify potential markets in Upper Assam, Scout & shortlist new dealership as per norms
- Day to day activities of channel management, team management and sales management
- Develop and nurture dealerships for the agreed sales plan/targets
- Recruit training and coach dealer sales team
- Monthly retailer meets and understanding the basic strategy of sales and analysis of the market
- Continuously monitor dealership stock and availability of working capital
- Replenish the stock and working capital, coordinate supplies with related documentation and funds
- Ensure upkeep of dealership premises as per network norms
- Carry out ATL & BTL activities and promotions generating enquires
- Monitor enquiries thru dealership sales staff
- Organized, coordinated and implemented company's advertising and marketing strategies into everyday operations
- Set up and arranged special activities and events to promote company and its services
- Developed and implemented employee relations programs to increase moral, productivity and efficiency
- Encouraged and supported team like work environment
- Give immediate Solution to queries and problems raised by customers to create positive word of mouth about brand
- Study competitor activities and tracking of the business figures to formulate strategies at the branch level for maximum business & mind share
- Ensure adherence by the teams to the sales management process
- Conduct reviews and feedback sessions with the teams for continuous business delivery
- Effective use of on-the-job training for sales force through joint calls
- Awarded Best Customer encouragement award (Rank 1st) in East for Business Productivity in Q4 F13
- Awarded Best customer service award for Q2 & Q3 F14
- Received 3no's appreciation mail on Customer satisfaction from ZBM Sales in Q2 & Q3 F13
- Awarded with prestigious Speed Award from the company 2 times for first FY
- Awarded as one of the top revenue generators in northeast
SR. BUSINESS DEVELOPMENT OFFICER
IDBI Intech
Guwahati
07.2012 - 11.2012
- Channel sales through MLM & MNC tied corporates
- Handling team for telephonic query for card status & balance enquiry
- Monitoring a team for making recovery calls to customers for payment of card
- MIS reporting to the senior levels in the organization
- Maintaining relations with the existing customers to provide good service and also to carry out another prospect
- Providing good service to the existing merchants & customers
BUSINESS EXECUTIVE
AXIS SALES LTD
Guwahati
07.2011 - 06.2012
- Meet the sales target of MA with the associates
- Promote prepaid card sales through banking channel & handling telephonic query for card status & balance enquiry
- To achieve expected sales target on a consistent basis through own team
- Develop sales strategies to build consumer preference and accomplishing the targets set by the company
- Office management, liaison, public relation, back-office operations
- Maintaining relations with the existing customers to provide good service and also to carry out another prospect
- Providing good service to the existing merchants & customers
- Awarded best business executive award for enlarging the prepaid cards & merchant acquiring sales beyond companies' expectation
Education
Six Months Certification Course - Operations Management & Six Sigma
IIM RAIPUR
Raipur07-2021
BBA -
Utkal University
Bhubaneswar06-2011
12TH - SCIENCE
Kendriya Vidyalaya Khanapara
Guwahati07-2008
10TH -
Kendriya Vidyalaya Khanapara
Guwahati06-2006
Post Graduate Certification Course - Data Analytics & Gen AI
Indian Institute of Technology( Enrolled)
GuwahatiSkills
- Collections
- Repossessions
- Communications
- Presentations
- Vendor/ Agency Management
- Team Management
- Customer Satisfaction
- Resource Management
- Relationship Management
- Microsoft Word
- Operations
Languages
- English
- Hindi
- Assamese
- Bengali
- Oriya
Personal Information
Title: Mr. Indrajit Bhattacharjya
DOB: 23/10/1990
Timeline
Regional Collection Manager(FASR-II)
Caterpillar Financial Services India Pvt Ltd
09.2021 - Current
STATE COLLECTION MANAGER
Brahmaputra Infrastructure Ltd
12.2020 - 09.2021
COLLECTIONS MANAGER
Hero Fincorp Ltd.
03.2020 - 12.2020
TERRITORY MANAGER -COLLECTIONS
Tata Motors Finance Ltd
10.2015 - 02.2020
SALES/CUSTOMER SERVICE OPERATIONS
Vodafone Spacetel Ltd
11.2012 - 09.2015
SR. BUSINESS DEVELOPMENT OFFICER
IDBI Intech
07.2012 - 11.2012
BUSINESS EXECUTIVE
AXIS SALES LTD
07.2011 - 06.2012
Six Months Certification Course - Operations Management & Six Sigma
IIM RAIPUR
BBA -
Utkal University
12TH - SCIENCE
Kendriya Vidyalaya Khanapara
10TH -
Kendriya Vidyalaya Khanapara
Post Graduate Certification Course - Data Analytics & Gen AI
Indian Institute of Technology( Enrolled)
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