SANTOSH DEY
Recovery Manager
SARAM
Summary
To serve and help an organization achieve the goals and excel in the fields of its activities by rendering value added contribution together with sincerity, integrity and continuous hard work. Develop and update any system required in the job. To promote and uphold company's image amongst every customer.
Overview
4
4
years of professional experience
7
7
years of post-secondary education
Work History
Regional Legal and Recovery Manager
CHOLAMANDALAM INVESTMENT AND FINANCE CO. LTD.
Dhanbad
- Responsible for ensuring the achievement of Collection targets
- Hire / Train and motivate the Sales / Collection / Credit teams for achieving budgets
- Handle the branches with 12 asst
- And deputy Managers along with 93 team members
- Coordination between all the Sales, Collection & Credit Supports Departments
- Responsible for managing a good portfolio
- Good planning and organizational skills
- Meets regional collection/receivable financial objectives by forecasting in-case flow; preparing quarter and annual receivable budgets; scheduling expenditures; analyzing variances; initiating corrective actions
- Improve receivable/collection strategy in the region by careful study and need gap identification
- Manages the team of 25 people of ARM, BRM, ALM, BLM & collection executive part of the receivable department of the company
- Strong interpersonal and communication skills to interact with employees, superiors, and customers
- Improve receivable/collection strategy in the region by careful study and need gap identification
- Handle the Legal team of Jharkhand.
Recovery Manager
HDFC Bank Ltd
Ranchi
- Delinquency Management Setting up of Collections mechanism / process for the location
- Audit Compliance
- Agency Management- Managing collection agency, selecting potential agency, measuring performance and their code of conduct
- MIS-Timely submission of various collections MIS Reports
- Fraud Control by imparting training, field verifications and quality checks
- Net working -Developing network with a) Law Enforcement agencies b) Judiciary and c) Competition.
Sales Executive - Personal loan. & Business loan
HBL GLOBAL PVT LTD (On duty for HDFC BANK LTD.)
Hazaribagh and Ranchi
- To procure goods customers with sounds credit history
- Capacity of repay for the disbursement of varied ranges of loan products offered by them bank viz
- Personal loans, business loans
- Ensuring the complete documentation for the personal loan and business loans
- Account opening, fixed deposit, mutual funds and investment.
Customer Manager
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD.
Dhanbad
- 04.2014
- To procure goods customer with sound credit history
- Visit a dealer point on all Mahindra & Non- Mahindra dealers
- Convincing customers for motor vehicle finance for the purpose of loan
- Convincing customers for motor vehicle Re-finance and Top-up for the purpose of financial help.
Team Leader ( Electronics Dealership)
VISION "N" VOICE
Durgapur( West Bengal )
05.2004 - 12.2007
- Handling the team of sales executives with the responsibility to ensure proper supply chain management in the region
- Achieving the target on monthly basis given by the company
- Ensuring the collection of payment by the dealers time to time.
Education
L.L.B. - undefined
Sidhu Kanhu University
Dumka, Jharkhand 01.2018 - 04.2021
B.A. - undefined
VinobaBhawe University
Hazaribagh, Jharkhand 01.2003 - 04.2006
+2 in Arts - undefined
Bihar Intermediate Education Council
Patna, Bihar 01.2000 - 04.2000
Matriculation - undefined
Bihar Secondary Education Board
Patna, Bihar 01.1998 - 04.1998
Skills
DCA from Durgapur (West Bengal)
Ability to create and process financial spreadsheets (eg in MS Excel & MS power-point)
Sales, Collection, Credit and Legal
Good planning and organizational skills
Excellent Leadership and motivation skills
Able to communicate and interact effectively with individual's ands group of all levels
As a team player, bringing enthusiasm and energy into group efforts
Able to follow directions and work independently
Able to recognize organizational needs and meet them
Able to learn quickly the procedure, methods and new technologies
Knowledge of areas with a focus on the regional market, collection infrastructure, and government regulations in the vehicle finance industry
Able to Taking ownership and a flexible approach with a team member
Solid understanding of lending & collection, Sales and Legal procedures
Personal Information
- Father's Name: Late Prafull Kumar Dey
- Date of Birth: 12/05/82
- Nationality: Indian
- Marital Status: Married
Disclaimer
I hereby declared that all the information provided by me in this application is factual and correct to the best of my knowledge and belief.
Timeline
L.L.B. - undefined
Sidhu Kanhu University
01.2018 - 04.2021
Team Leader ( Electronics Dealership)
VISION "N" VOICE
05.2004 - 12.2007
B.A. - undefined
VinobaBhawe University
01.2003 - 04.2006
+2 in Arts - undefined
Bihar Intermediate Education Council
01.2000 - 04.2000
Matriculation - undefined
Bihar Secondary Education Board
01.1998 - 04.1998
Regional Legal and Recovery Manager
CHOLAMANDALAM INVESTMENT AND FINANCE CO. LTD.
Recovery Manager
HDFC Bank Ltd
Sales Executive - Personal loan. & Business loan
HBL GLOBAL PVT LTD (On duty for HDFC BANK LTD.)
Customer Manager
MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD.
- 04.2014