Listening Music and reading books
SANJAY KUMAR CHAKRABARTI
State Head
KOLKATA
Summary
Accomplished Banking and NBFC professional with 25 years in business development, sales, and portfolio management. Expertise in driving revenue growth and market expansion while leading cross-functional teams. Proven skills in managing retail lending products and overseeing state-wide operations. Seeking a senior leadership role to leverage strategic vision and operational expertise for business growth and value creation.
Overview
3
3
Languages
14
14
years of professional experience
Work History
State Head – Two-Wheeler Finance
MANAPPURAM FINANCE LTD
07.2019 - Current
- Lead end-to-end Two-Wheeler Finance operations across West Bengal and Jharkhand, managing a loan portfolio of ₹40 Crore, 70+ team members, and multiple branch locations to drive sustainable business growth and operational excellence.
- Executed state-level business strategies to achieve sales, disbursement, collection, and profitability targets across markets including Kolkata, Bardhaman, Krishnanagar, Baharampur, Siliguri, Ranchi, Jamshedpur, and Dhanbad.
- Strengthened dealer and DSA networks, enhancing customer acquisition, increasing loan disbursement volumes, and expanding market penetration across urban and semi-urban territories.
- Collaborate closely with Credit, Operations, Risk, and Collections teams to maintain portfolio quality, reduce delinquency, improve collection efficiency, and ensure compliance with organizational policies.
- Monitored portfolio performance through MIS reporting and business analytics, supporting data-driven decision-making and continuous process improvement.
- Lead, mentor, and develop a high-performing team of Branch Managers, Sales Managers, Relationship Managers, and field executives, fostering a culture of accountability and performance excellence.
- Manage collection agencies through the Debt Collection Hub (DCH) framework to improve recovery efficiency while maintaining regulatory compliance and customer satisfaction.
- Drive cross-functional coordination to ensure seamless loan sourcing, credit assessment, documentation, disbursement, and post-disbursement portfolio management across the state.
- Key Achievements
- Successfully managed a ₹40 Crore retail lending portfolio while maintaining strong portfolio quality.
- Led a geographically dispersed workforce of 70+ employees across West Bengal and Jharkhand.
- Expanded dealer and DSA partnerships, contributing to sustained business growth and improved market coverage.
- Consistently achieved state-level business, collection, and operational targets through strategic planning and execution.
- Worked effectively in fast-paced environments.
- Self-motivated, with a strong sense of personal responsibility.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Worked well in a team setting, providing support and guidance.
- Demonstrated respect, friendliness, and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Territory Manager – Retail Finance
HERO FINCORP LTD
08.2017 - 03.2019
- Managed retail finance operations across seven districts in North Bengal, driving business growth for Two-Wheeler, Used Car, Small Commercial Vehicle (SCV), and Farm Equipment Loan portfolios.
- Developed and executed territory business plans to achieve monthly and quarterly disbursement, revenue, and portfolio growth targets.
- Built and managed a strong network of dealers, DSAs, and channel partners, increasing customer acquisition and enhancing market penetration.
- Led and mentored sales teams and field executives, ensuring high productivity, target achievement, and adherence to company processes.
- Coordinated with Credit, Operations, and Collections teams to ensure timely loan processing, quality portfolio management, and effective risk control.
- Strengthened dealer relationships through regular engagement, training, and performance reviews, resulting in improved lead generation and higher loan conversions.
- Implemented proactive collection strategies and portfolio monitoring to minimize delinquency and improve collection efficiency.
- Ensured compliance with company policies, underwriting guidelines, and regulatory requirements while delivering superior customer service.
- Prepared and reviewed MIS reports to monitor sales performance, portfolio quality, collection efficiency, and business productivity across the assigned territory.
- Key Achievements
- Successfully managed retail finance operations across seven districts in North Bengal.
- Expanded dealer and DSA networks, contributing to higher loan disbursement volumes and increased market coverage.
- Consistently achieved business, portfolio, and collection targets through effective team leadership and territory management.
- Improved dealer engagement and customer acquisition through strategic relationship management and field execution.
Area Sales Manager – Two-Wheeler Loans
L&T FINANCIAL SERVICES LTD (Formerly Family Credit Ltd)
06.2012 - 07.2017
- Progressed from Branch Manager to Area Sales Manager based on consistent business performance and leadership capabilities.
- Managed sales and business development for a multi-product retail lending portfolio, including Two-Wheeler Loans, Used Car Loans, Small Commercial Vehicle (SCV) Loans, and Farm Equipment Loans across North Bengal.
- Led business operations across key territories, including Darjeeling, Jalpaiguri, Cooch Behar, and Alipurduar, consistently achieving monthly, quarterly, and annual sales and disbursement targets.
- Built and managed a high-performing network of dealers, DSAs, and channel partners to expand market reach, increase customer acquisition, and improve loan disbursement volumes.
- Recruited, coached, and mentored Relationship Managers and sales teams, driving productivity, performance, and employee development.
- Coordinated closely with Credit, Operations, and Collections teams to ensure timely loan processing, portfolio quality, and compliance with company policies and regulatory standards.
- Managed branch operations, cash flow, portfolio performance, and collection activities, maintaining healthy portfolio quality through proactive delinquency management.
- Monitored business performance through MIS reporting and market analysis, implementing corrective action plans to improve productivity and profitability.
- Strengthened customer and dealer relationships through regular engagement, ensuring high service standards and long-term business partnerships.
- Key Achievements
- Earned promotion from Branch Manager to Area Sales Manager, reflecting strong leadership and consistent business performance.
- Successfully managed a diversified retail lending portfolio across multiple districts in North Bengal.
- Consistently achieved business growth, loan disbursement, and collection targets while maintaining strong portfolio quality.
- Expanded dealer and DSA networks, contributing to increased market penetration and sustainable business growth.
- Led cross-functional teams to enhance customer engagement and improve service delivery.
- Developed and executed sales strategies to expand market presence and increase revenue.
- Analyzed market trends to identify opportunities for growth and product enhancements.
- Trained and mentored junior sales personnel, fostering skill development and performance improvement.
- Established strong relationships with key clients, ensuring high levels of satisfaction and retention.
- Implemented data-driven decision-making processes to optimize sales operations and resource allocation.
- Established strong relationships with key clients, resulting in increased customer retention and satisfaction.
- Collaborated with marketing teams to design campaigns that effectively targeted potential customers.
- Conducted regular performance reviews, aligning team objectives with organizational goals for better results.
Education
Bachelors of Commerce - Commerce
Calcutta University
Kolkata05-1991
Higher Secondary Examinations - Class 12
West Bengal Council of Higher Secondary Education
Kolkata, India01-1988
High School Examination - Class 10
West Bengal Board of Secondary Education
Kolkata, India01-1986
Skills
Retail Lending
Portfolio Management
Sales Management
Business Development
Dealer Management
Dealer Financing
Risk assessment
Branch Operations
Interests
Timeline
State Head – Two-Wheeler Finance
MANAPPURAM FINANCE LTD
07.2019 - Current
Territory Manager – Retail Finance
HERO FINCORP LTD
08.2017 - 03.2019
Area Sales Manager – Two-Wheeler Loans
L&T FINANCIAL SERVICES LTD (Formerly Family Credit Ltd)
06.2012 - 07.2017
Bachelors of Commerce - Commerce
Calcutta University
Higher Secondary Examinations - Class 12
West Bengal Council of Higher Secondary Education
High School Examination - Class 10
West Bengal Board of Secondary Education