Pintu Das
Durgapur
Summary
Dynamic Area Collection Manager with a proven track record at Bajaj Finance Ltd, excelling in data analysis and team leadership. Expert in enhancing recovery rates through innovative collection strategies and strong negotiation skills. Committed to driving operational efficiency and fostering team collaboration to achieve financial goals.
Overview
14
14
years of professional experience
Work History
Area Collection Manager
BAJAJ FINANCE LTD
BURDWAN
10.2023 - Current
- Managed regional collection strategies to enhance recovery rates and minimize delinquencies.
- Developed and implemented collection strategies for assigned accounts.
- Analyzed collection data to identify trends and improve operational efficiency.
- Implemented best practices for collections processes to enhance team productivity.
- Trained and mentored team members on effective collection practices and customer engagement.
- Monitored performance of team members through weekly meetings and one-on-one coaching sessions.
- Negotiated payment arrangements with customers and monitored compliance.
- Conducted daily reviews of aging reports to identify overdue accounts requiring attention.
- Identified accounts to target for repossession based on careful research and analysis.
- Collaborated with sales teams to ensure timely resolution of unpaid invoices.
- Assessed financial situation of customers prior to extending credit terms or making adjustments to outstanding balances.
- Analyzed delinquent accounts to determine appropriate collection action.
- Resolved complex customer payment disputes from Customer Service department relating to disputes over payments or charges.
- Utilized collections software and databases for efficient account management.
- Conducted detailed account audits to identify discrepancies and resolve billing issues.
- Generated monthly reports summarizing account receivable activity, delinquency trends, and other key metrics.
- Negotiated credit extensions to assist customers in paying overdue accounts.
- Coordinated with cross-functional teams to align collection efforts with company policies.
- Ensured compliance with federal and state collections laws and regulations.
- Prepared documents for small claims court proceedings as required by law.
- Performed skip tracing activities to locate customers with delinquent accounts.
- Provided training and guidance to new collections staff on best practices and company policies.
- Provided training and guidance to new collections staff on best practices and company policies.
Credit Manager
Bajaj Finance Ltd
Durgapur
10.2018 - 10.2023
- Enabled business growth and maximized profits through effective credit sanction and timely loan disbursement.
- Ensured compliance with company policies during loan sanctioning, disbursements, and post-disbursement processes.
- Analyzing and decisioning the cases within TAT of 1 Hr.
- Carry out detailed and independent credit evaluation for underwriting.
- Looking after more than 150 cases per month.
- Experience in understanding and implementing credit policy also understanding the credit environment in city/branch.
- Expertise in finance & credit analysis of Unsecured Loans, Term Loans.
- Facilitated sales processes for SALPL, business loans, and insurance to enhance product offerings.
- Got promoted from Assistant Manager to Manager in Credit Operation at Feb 20.
- Getting Kudos Award from Bajaj Finance.
System Engineer
The Tata Power Co. Ltd. (SED)
New Delhi
09.2015 - 10.2018
- Designed and implemented system architecture for efficient energy management solutions.
- Collaborated with cross-functional teams to optimize system performance and reliability.
- Developed technical specifications and documentation for system engineering projects.
- Collaborated with IKYA Human Capital Solution on Indian Airforce MAFI project to enhance infrastructure reliability and performance.
System Engineer
Renovision Automation Services Pvt. Ltd.
Kolkata
12.2013 - 09.2015
- Designed and implemented system architectures for power generation solutions.
- Analyzed system performance to troubleshoot and resolve technical issues.
- Collaborated with cross-functional teams to optimize operational workflows.
- Collaborated with clients at Wipro Infotech's Shoppers Stop Ltd. office to address technical issues and enhance user experience.
System Engineer
DSM Infocom Pvt. Ltd.
Kolkata
10.2012 - 11.2013
- Designed system architecture for renewable energy projects across multiple sites.
- Managed system integration for power generation and distribution networks.
- Conducted feasibility studies for innovative energy solutions and technologies.
- Collaborated with IBM GBS at Shoppers Stop Ltd. to identify and implement strategies for operational efficiency.
Education
B. Tech - Computer Science And Engineering
Durgapur Institute of Advanced Technology & Management
Durgapur01-2012
Higher Secondary -
A-Zone Multipurpose Boys High School
01-2008
Madhyamik Pariksha -
Shivaji Road Boys High School
01-2006
Skills
- Debt recovery strategies
- Collections training programs
- Performance monitoring
- Data analysis skills
- Financial analysis proficiency
- Billing resolution
- Collection agency relations
- Account management strategies
- Process improvement techniques
- Salesforce proficiency
- Team leadership skills
- Goal setting
- Interpersonal communication
- Team collaboration
- Strong negotiation skills
- Pressure management
- Adaptability and learning
- Relationship building
Accomplishments
- Got promoted as Area Collection Manager in Bajaj Finance Ltd at 15/10/23.
- Received 3 Kudos Award from Bajaj Finance.
- Received Hero's Award from Bajaj Finance.
Linguistic Ability
- English
- Hindi
- Bengali
Hobbies and Interests
- Playing Cricket
- Painting
Professional Highlights
- Results-driven Area Collection Manager with expertise in managing collection operations and portfolio performance for Bajaj Finance Ltd. across the Burdwan region.
- Proven track record of achieving monthly collection targets by implementing effective recovery strategies, reducing delinquency, and improving portfolio health.
- Managed a diversified portfolio across Consumer Durable, Personal Loan, Two-Wheeler, and SME products while ensuring optimal collection efficiency.
- Led and mentored field collection executives and agency partners, driving high productivity through performance monitoring, coaching, and regular field visits.
- Skilled in bucket-wise collection management (0+ DPD to write-off), skip tracing, customer negotiations, settlements, and legal recovery coordination.
- Collaborated closely with Sales, Credit, Operations, and Risk teams to minimize fresh delinquencies and improve customer repayment behavior.
- Ensured strict compliance with RBI regulations, company policies, audit requirements, and ethical collection practices throughout the recovery lifecycle.
- Strong expertise in portfolio analysis, MIS reporting, productivity tracking, and data-driven decision-making to improve collection performance.
- Successfully handled agency management, vendor performance evaluation, and escalation resolution while maintaining high service standards.
- Demonstrated excellence in stakeholder management, customer relationship building, conflict resolution, and negotiation to maximize recoveries while preserving customer satisfaction.
- Recognized for strong leadership, team development, analytical problem-solving, and consistent delivery of business objectives in a fast-paced NBFC environment.
- Bajaj Finance Ltd, Credit Manager, Durgapur, West Bengal, 10/01/18, Carry out detailed and independent credit evaluation for underwriting., Ensuring proper Compliance of company policies in loan sanctioning, disbursements and post disbursement process., Personal Loan underwriting-Logging to Disbursement of high ticket to small ticket cases., Doing personal loan verification (Personal Discussion) with customers of small ticket size, medium ticket size and high ticket size cases., Knowledge about credit policy., Analysing and decisioning the cases within TAT of 1 Hr., Looking after more than 150 cases per month., Posses abilities to impact business growth and maximize profits through achievement in credit sanction, loan disbursement within TAT., Experience in understanding and implementing credit policy also understanding the credit environment in city/branch, Expertise in finance & credit analysis of Unsecured Loans, Term Loans., Doing S2S like SALPL, Business Loan, Insurance (POS Goal Suraksha), FD sales.
- The Tata Power Co. Ltd. (SED), System Engineer, New Delhi, Delhi, 09/01/15, 09/30/18, Worked under IKYA Human Capital Solution at their client Indian Airforce in MAFI (Modernizations of Airfield Infrastructure) project.
- Renovision Automation Services Pvt. Ltd., System Engineer, Kolkata, West Bengal, 12/01/13, 09/30/15, Worked at their client Shoppers Stop Ltd. Office on behalf of Wipro Infotech in Durgapur, Kolkata.
- DSM Infocom Pvt. Ltd., System Engineer, Kolkata, West Bengal, 10/01/12, 11/30/13, Worked at their client Shoppers Stop Ltd. Office on behalf of IBM GBS in Durgapur, Kolkata.
Personal Information
- Father's Name: Sri Hira Lal Das
- Date of Birth: 09/15/90
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Timeline
Area Collection Manager
BAJAJ FINANCE LTD
10.2023 - Current
Credit Manager
Bajaj Finance Ltd
10.2018 - 10.2023
System Engineer
The Tata Power Co. Ltd. (SED)
09.2015 - 10.2018
System Engineer
Renovision Automation Services Pvt. Ltd.
12.2013 - 09.2015
System Engineer
DSM Infocom Pvt. Ltd.
10.2012 - 11.2013
B. Tech - Computer Science And Engineering
Durgapur Institute of Advanced Technology & Management
Higher Secondary -
A-Zone Multipurpose Boys High School
Madhyamik Pariksha -
Shivaji Road Boys High School