Mithun Pal
Guwahati
Summary
Results-driven professional with 9 years of banking experience, including 3 years in priority sector loan sourcing and 6 years as a Debt Manager at ICICI Bank. Currently a Manager in Digital Perdonal Loans at Axis Bank. Holds a postgraduate degree in mass communication and a postgraduate diploma in banking. Seeking to leverage strong communication and analytical skills in a Senior Analyst role in Corporate Communications, PR, and Strategic management at NaBFID. Adept at strategic development, brand management, media relations, and crafting impactful communication strategies to enhance brand reputation and drive business growth.
Overview
10
10
years of professional experience
Work History
Debt Resolution Manager for Digital Loans
Axis Bank Ltd
Guwahati
05.2024 - Current
- Handling Digital Loan portfolio of the bank.
- Empanelment of new agencies, managing debt recovery, legal filing, NPA controlling and other related activities
Relationship Manager of Debt Service Group
ICICI Bank Ltd
IMPHAL GUWAHATI And NE
07.2019 - 05.2024
- Managed a delinquency portfolio of retail loans including Auto, PL, TW, CB, and HL, from the 1 to infinity bucket in Manipur and Mizoram.Empaneled and managed multiple local and central agencies. Recruited and handled an in-house collection team for multiple products.Held POA and managed various legal litigations, including NLA, Section 138, DRT, CIVIL Suit, etc. Implemented SARFAESI in many secured cases.Negotiated with customers for settlements and completed approximately 1000+ loan account settlements till date.Posted in various locations in the North East, adapted to the local culture, and performed well in debt recovery.Since the Manipur riots began in May 2023, I took charge of the Credit Card portfolio for the entire NE region. I have achieved month-on-month highest growth in credit card recovery, significantly increased collection efficiency, and set a new benchmark in credit card recovery."
Relationship Manager of Debt Service Group
ICICI Bank Ltd
AIZWAL
01.2019 - 07.2019
- Managed delinquency portfolio of retail loans from 1 to infinity bucket in Mizoram
- Managed multiple local and central agencies along with in-house team.
- Negotiated with the customers for settlements of loans and reduced NPA ratio.
- Executed strategic debt management plan complying with the regulatory guidelines and controlled the delinquency portfolio of the bank.
Sourcing Officer for Agri Loan
ICICI Bank Ltd
BURDWAN
08.2015 - 12.2018
- Worked in ICICI Bank as Agriculture Loan Sourcing Officer and have learnt baking from basics.
- Implemented innovative ideas and improved market share of my business area
- Have sourced quality clients and have controlled delinquency ratio.
- Provided excellent customer services and build a good quality customer base in my business territory.
- Have performed extremely well in Agri portfolio in terms of Business growth and delinquency management.
- Got recognition as a STAR performer of the bank and got opportunity of joining in STAR PO batch on May2018.
Script Writer | Video Editor|Administrative Assist
KHABAR 7 DIN ; Bengali News Channel
Burdwan
12.2014 - 08.2015
- Developed compelling scripts for news segments, ensuring accuracy and adherence to editorial guidelines.
- Edited videos to enhance visual appeal and storytelling, using editing software to produce high-quality broadcasts.
- Captured impactful photographs that complemented news stories and engaged viewers.
- Provided administrative support, managing schedules, correspondence, and logistical arrangements.
Education
PGDB - Banking And Finance
11.2019
Post Graduate Degree - Mass Communication
07.2014
Bachelor Of Arts - Hons in Geography
06.2012
Skills
Exellent leadership skills
Exellent communication skills
Exellent team management skills
Social Media Page handling skills
Video making Skills
Editorial writing Skills
Negotiation skills
Financial statements and ratio analysis stills
Time management and Expense management skills
customer sourcing and Customer relationship skills
Cross selling skills
IT skills of MS word, MS Exel, Power Point Presentation, Microsoft Team, Adobe Premier etc
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Bengali
Advanced (C1)
Sign and Date
————————
Dated: 12-07-2024
Timeline
Debt Resolution Manager for Digital Loans - Axis Bank Ltd
05.2024 - Current
Relationship Manager of Debt Service Group - ICICI Bank Ltd
07.2019 - 05.2024
Relationship Manager of Debt Service Group - ICICI Bank Ltd
01.2019 - 07.2019
Sourcing Officer for Agri Loan - ICICI Bank Ltd
08.2015 - 12.2018
Script Writer | Video Editor|Administrative Assist - KHABAR 7 DIN ; Bengali News Channel
12.2014 - 08.2015
Manipal University - PGDB, Banking And Finance
Burdwan University - Post Graduate Degree, Mass Communication
Sambhunath College - Bachelor Of Arts, Hons in Geography