Arijit Sanyal
Kolkata
Summary
Seeking a position to be resourceful, innovative and adoptive while utilizing my Collection skills and abilities in an environment that offers professional growth.
Overview
23
23
years of professional experience
Work History
RCM -Personal Loan
Groww Serv Private Ltd
Kolkata
09.2025 - 01.2026
- Handling the Entire FLOWS & RECOVERY Portfolio of Eastern Region.
- Managed flows & recovery portfolio of 27 crore, overseeing 1600+ cases.
- Managed recoveries for high-stakes cases by coordinating with legal and financial teams.
- Responsible for 50% recovery from the cases initiated for Legal.
- Initiated legal steps for overdue customers.
- Recovered debts from willful defaulters, sub-lending, and mass default cases.
- Tracked absconding customers to recover debts through targeted follow-up processes.
- Regular Personal Field visits on high value and Critical cases.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the recovery performance of agencies.
- Submitted daily, weekly, and monthly reports on collections in a timely and accurate manner.
- Acquired knowledge of legal processes including Lok Adalat and arbitration for effective debt resolution.
- Utilized extensive knowledge of regional markets in West Bengal and surrounding areas for targeted debt recovery.
- Handling 4 in-house territory managers.
- Its a Private company incorporated on 03 Dec 2020 and it is classified as Non-government company and is registered at Registrar of Companies, Bangalore. Now it is one of the largest ongoing FINTECH companies of India.
Deputy-Secured Loan
Kotak Mahindra Bank Ltd
08.2020 - 09.2025
- Handling the Entire FLOWS & RECOVERY Portfolio of Eastern Region.
- Mainly handling LAP OD portfolio.
- Managed flows & recovery portfolio valued at 150 crore, overseeing approximately 146 cases.
- Handling MIS for entire cost location.
- Recovered funds in critical cases.
- Initiated legal steps according to policy for overdue customers.
- Achieved 50% recovery from cases initiated for legal action.
- Facilitated recovery efforts by tracing absconding customers through targeted follow-up processes.
- Collected recovery from willful defaulters, sub-lending, and mass default cases.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the recovery performance of agencies.
- Submitted daily, weekly, and monthly reports on collection updates accurately and on time.
- Regular Personal Field visits on high value and Critical cases.
- Review performance of support staffs and validation of Team feedback & support to achieve desired result as per the assigned targets.
- Gained comprehensive understanding of legal frameworks, including LOK Adalat and SEC 138.
- Possessed extensive knowledge of geographical regions including West Bengal and Assam.
- KMBL is one of the third largest Bank in India. Kotak Mahindra Bank Limited is an Indian banking and financial services company headquartered in Mumbai. It offers banking products and financial services for corporate and retail customers in the areas of personal finance, investment banking, life insurance, and wealth management.
Recover Manager- Unsecured SME
Edelweiss Retail Finance Ltd
03.2020 - 07.2020
- Handling the Entire RECOVERY Portfolio of Eastern Region.
- Handling three collection agencies in Eastern Region.
- Handling the recovery portfolio having a size of 10 crore and approx. above 146 cases.
- Resolved critical case recoveries, enhancing overall recovery success.
- Initiated legal steps for overdue customers according to company policy.
- Achieved 50% recovery from cases initiated for legal actions.
- Monitored absconding customers using targeted follow-up processes, improving recovery rates.
- Secured recovery from willful defaulters, sub-lending, and mass default cases.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Regular Personal Field visits on high value and Critical cases.
- Assessed support staff performance and integrated team feedback to meet recovery targets.
- Acquired knowledge of legal frameworks including LOK Adalat and SEC 138 for effective case management.
- Demonstrated geographical expertise in regions including West Bengal, Assam, Bihar, Orissa, and Jharkhand for targeted recovery strategies.
- ECL or ERFLFICCL is one of the largest SME/BL and Personal Loan finance institutions in the country with an objective of providing financial services to the urban poor. It deals into providing loans under Two Core products of Group Loan and Individual loan to Semi urban and urban poor people across the country.
State Collection Manager- Unsecured
Fullerton India Credit Company Ltd
01.2019 - 11.2019
- Handling the Entire Portfolio of Eastern Region from Bucket Fresh to Recovery.
- Handling 11 on-roll Agency Manager including 1 MIS Executive along with 10 collection agencies in Eastern Region. (Assam and West Bengal)
- Managed DPD portfolio valued at 900 crore, overseeing approximately 8000 cases, including 3500 active cases.
- Recovered critical case funds through targeted follow-ups.
- Initiated legal actions against overdue customers according to company policy.
- Achieved 50% recovery from cases initiated for legal action.
- Monitored absconding customers through systematic follow-up techniques, enhancing recovery potential.
- Recovered funds from willful defaulters, sub-lending, and mass default cases.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the bucket performance of team.
- Responsible for timely & accurate submission of daily, weekly & monthly reporting of collections update is sent.
- Conducted personal field visits on high-value critical cases to facilitate effective recovery efforts.
- FICCL is one of the largest home finance institutions in the country with an objective of providing financial services to the urban poor. It deals in providing loans under Two Core products of Group Loan and Individual loan to Semi urban and urban poor people across the country.
Debt Manager-Collection
ICICI BANK LTD
03.2018 - 05.2018
- Managed a portfolio of over 60 days past due accounts, totaling 30 crore and comprising approximately 70 cases in the Kolkata region.
- Managed entire portfolio of Bucket 2 in Kolkata region, collaborating with agency to optimize collection efforts.
- Executed legal actions for overdue customers in alignment with company policy to recover outstanding debts.
- Conducted personal field visits for high-value and critical cases to negotiate settlements and facilitate collections.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the bucket performance of team.
- Submitted daily, weekly, and monthly reports on collections in a timely and accurate manner.
- Review performance of support staffs and validation of Team feedback & support to achieve desired result as per the assigned targets.
- Recognized as India's leading private sector bank, demonstrating excellence in financial services.
Manager- Collection
INDIA INFOLINE HOUSING FINANCE LTD
08.2015 - 03.2018
- Handling the Entire Portfolio across East Region with 6 in-house team members.
- Handling 0 DPD to NPA portfolio having size of 90 crore and Appx 226 cases.
- Managed collections for GL over dues greater than 90 days with 75% OSP and for Collections II over dues greater than 60 days.
- Managed recoveries in critical cases, contributing to overall portfolio health.
- Initiated legal steps for overdue customers, facilitating timely recovery and reducing potential losses.
- Responsible for 50% recovery from the cases initiated for Legal.
- Tracked absconding customers to recover funds through targeted follow-up processes, enhancing collection rates.
- Recovered funds from willful defaulters, sub-lending, and mass default cases.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the bucket performance of team.
- Regularly publishing MIS and update to the Management for feedback.
- Submitted daily, weekly, and monthly reports on collections in a timely and accurate manner.
- Regular Personal Field visits on high value and Critical cases.
- Reviewed performance of support staff and validated team feedback to support achievement of assigned targets.
- Ensure to retain the top performers.
- IIHFL is one of the largest home finance institutions in the country with an objective of providing financial services to the urban poor. It deals into providing loans under Two Core products of Group Loan and Individual loan to Semi urban and urban poor people across the country.
Branch Receivable Manager
Cholamandalam Investment and Finance Company Ltd
Kolkata
08.2014 - 02.2015
- Handling the Vehicle Finance (VF) Portfolio across Kolkata location with 4 in-house team members.
- Handling Bucket 2 and 3 portfolio having size of 19 crore and Appx 226 cases.
- Managed collections for over- dues of Bucket 2 and 3 customer.
- Managed reposition of critical cases, contributing to overall portfolio health.
- Initiated legal steps for overdue customers, facilitating timely recovery and reducing potential losses.
- Tracked absconding customers to recover funds through targeted follow-up processes, enhancing collection rates.
- Recovered funds from willful defaulters.
- Ensure training/refresher training for team members at regular intervals to enhance negotiation skills thus improving collection efficiency.
- Preparing various MIS and Simultaneously Reviewing and Monitoring for the bucket performance of team.
- Regularly publishing MIS and update to the Management for feedback.
- Submitted daily, weekly, and monthly reports on collections in a timely and accurate manner.
- Regular Personal Field visits on high value and Critical cases.
- Reviewed performance of support staff and validated team feedback to support achievement of assigned targets.
Collection Team Leader
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
08.2010 - 07.2014
- Conduct follow up calls with customers to collect past due payments.
- Monitored delinquent accounts alongside sales and collection team to ensure timely payment resolutions.
- Work with clients with hardships to make monthly payments that would fulfill the full payment.
- Conducted field visits to critical accounts, resolving outstanding issues and enhancing customer relationships.
- Took action on NPA and NCL cases through legal processes, facilitating effective debt recovery.
- Handling the Legal cases like SEC138, SEC9, and SEC17.
- Reviewing and Updating of Non Contactable Numbers into Contactable through the help of Branches and collection Team.
- Repositioned two in-house collections executives to improve team efficiency.
- Investigating Fraud and Forgery of collection.
- Determine if product function, condition or utilization caused problems that were not addressed by customer service.
- MMFSL is one of the largest Auto Finance Company.
Collection Executive
INDIABULLS FINANCIAL SERIVES LTD
05.2007 - 07.2010
- Managing collection of Personal Loans, PL+.
- Managed bucket 2 and 3 accounts to drive effective resolutions.
- Collected and analyzed client feedback to streamline system processes.
- Facilitated IBFSL processes for IIOME, property, business, and personal loans to enhance operational efficiency.
Collection Executive
CREDIT ADVISORY SYSTEM (CAS)
06.2003 - 03.2007
- Oversaw credit card portfolio for Standard Chartered Bank, focusing on accounts with 60+ days past due.
- Gathered client feedback to enhance collection processes.
- CAS is a Collection agency. Handling credit card portfolio of Standard Chartered Bank of 60+ DPD's.
- Identifying prospects, analyzing requirements, rendering guidance to clients and closing Deals.
Education
Graduate -
Shobhit University College
Meerut01.2013
Debt Recovery Executive -
Indian Institute of Banking and Finance
01.2010
Madhyamik -
West Bengal Board of Secondary Education
01.2001
Higher Secondary - Commerce
West Bengal Board of Higher Secondary Education
HowrahSkills
- Collections systems
- Customer relationship management
- Risk assessment
- Legal compliance
- Recovery strategies
- Portfolio management
- Data reporting
- Performance analysis
- Team leadership
- Team management
- Negotiation techniques
- Time management
- Task prioritization
- Analytical
- Multitasking Abilities
- Conflict resolution
Personal Information
- Date of Birth: 11/11/84
- Nationality: Indian
- Marital Status: Married
Hobbies and Interests
- Traveling
- Making friends
- Football
- Cricket
Languages
- Hindi
- Bengali
- English
- Bengali
Mobile Numbers
- +91 9831037783
- +91 9830414252
Timeline
RCM -Personal Loan
Groww Serv Private Ltd
09.2025 - 01.2026
Deputy-Secured Loan
Kotak Mahindra Bank Ltd
08.2020 - 09.2025
Recover Manager- Unsecured SME
Edelweiss Retail Finance Ltd
03.2020 - 07.2020
State Collection Manager- Unsecured
Fullerton India Credit Company Ltd
01.2019 - 11.2019
Debt Manager-Collection
ICICI BANK LTD
03.2018 - 05.2018
Manager- Collection
INDIA INFOLINE HOUSING FINANCE LTD
08.2015 - 03.2018
Branch Receivable Manager
Cholamandalam Investment and Finance Company Ltd
08.2014 - 02.2015
Collection Team Leader
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
08.2010 - 07.2014
Collection Executive
INDIABULLS FINANCIAL SERIVES LTD
05.2007 - 07.2010
Collection Executive
CREDIT ADVISORY SYSTEM (CAS)
06.2003 - 03.2007
Graduate -
Shobhit University College
Debt Recovery Executive -
Indian Institute of Banking and Finance
Madhyamik -
West Bengal Board of Secondary Education
Higher Secondary - Commerce
West Bengal Board of Higher Secondary Education