Santosh Kumar Sandha
Bhubaneswar
Summary
Results-driven Area Manager with expertise in Mortgage Debt Management and over 8 years of experience in banking sector. Managed delinquent accounts and implemented effective collection strategies while fostering accountability and consistency through officer training. Built strong relationships with legal teams and collection agencies to resolve outstanding debts and coordinated efforts across departments to reduce repeat delinquency.
Overview
3
3
Languages
10
10
years of professional experience
Work History
Area Collection Manager
Bandhan Bank Ltd
02.2025 - Current
- Managed the entire delinquent pool for the state, ensuring compliance with regulations.
- Improved collection efficiency by implementing allocation strategies and workforce.
- Managed diverse team of collection officers and agency FEs to enhance team performance.
- Hired new officers and implemented training programs, ensuring consistent practices across department.
- Promoted accountability and professionalism within team, fostering a positive work environment.
Debt Manager
ICICI Bank
06.2021 - Current
- Built strong relationships with key stakeholders, working closely with Legal team, and collection agencies to resolve outstanding debts.
- Facilitated training sessions for staff on effective debt management strategies to enhance team skills.
- Coordinated efforts between internal departments including Credit, sales, and customer service to decrease repeat delinquent customers.
- Executed legal actions and SARFAESI processes for managing NPA accounts.
- Coordinated and participated in LOKADALAT sessions with the legal team.
Debt Manager,Mortgage
ICICI Bank
04.2017 - 05.2021
- Managed bounce rates by implementing strategies to minimize occurrences.,PDM to restrict bounce %.
- Handled non-performing assets to improve recovery rates. and Loss Management
- Provided customer service to address repeat bounce issues and resolve delinquent accounts.
Education
PG Diploma -
Manipal Academy of Higher Education (MAHE)
B.Tech/B.E. -
Biju Patnaik University of Technology (BPUT)
Skills
- Debt recovery strategies
- Delinquent portfolio management
- Collection allocation planning
- Legal debt recovery
- Asset recovery techniques
- Agency management
- Stakeholder engagement
- Regulatory adherence
LANGUAGES
- Odia
- English
- Hindi
Languages
ODIA
Beginner
A1
English
Beginner
A1
Hindi
Beginner
A1
Timeline
Area Collection Manager
Bandhan Bank Ltd
02.2025 - Current
Debt Manager
ICICI Bank
06.2021 - Current
Debt Manager,Mortgage
ICICI Bank
04.2017 - 05.2021
PG Diploma -
Manipal Academy of Higher Education (MAHE)
B.Tech/B.E. -
Biju Patnaik University of Technology (BPUT)