Cricket
Sarfaraj Biswas
SENIOR EXECUTIVE - RECEIVABLE BAD DEBT COLLECTIONS
Pakur
Summary
Results-driven collection and recovery professional with over 7 years of experience in debt recovery and non-performing asset management within banking and NBFC sectors. Expertise in managing high-risk delinquent portfolios and overseeing multi-branch recovery operations. Proficient in recovery planning, skip tracing, repossession coordination, and customer negotiation. Strong operational knowledge in vehicle finance recovery and financial product cross-selling.
Overview
3
3
Languages
5
5
Certifications
9
9
years of professional experience
Work History
Senior Excutive- Receivable Bad Debt Collection
Mahindra & Mahindra Financial Services Ltd.
Jharkhand
08.2024 - Current
- Managed recovery operations across Pakur, Barharwa, and Dumka branches to enhance recovery outcomes.
- Handled recovery portfolio of over 450 delinquent and high-risk accounts, ensuring timely resolution.
- Supervised repossession and collection agencies, allocating daily targets and providing field support to achieve recovery goals.
- Supervising repossession and collection agencies through daily target allocation and field support.
- Managing recovery operations for Pakur, Barharwa, and Dumka branches in Jharkhand.
- Generating business leads for vehicle finance and supporting cross-selling activities.
Sales & Operations Coordinator
Teamlease Services Limited (IPPB Project)
01.2023 - 07.2024
- Coordinated operational support for India Post Payments Bank (IPPB) services, enhancing service delivery and efficiency.
- Facilitated operations for 60+ CSP operators, ensuring effective service provision across assigned areas.
- Supported distribution of insurance products and onboarding processes, improving customer engagement and satisfaction.
- Planned financial awareness and NABARD camp activities at village level.
Senior Collection Executive
Vedika Fincorp / Jatinder Finance (JFPL)
01.2020 - 12.2022
- Oversaw recovery follow-up for two-wheeler and three-wheeler loan portfolios, ensuring timely resolution of overdue accounts.
- Focused on bucket management (BKT flow), guiding accounts from non-starter to NPA stages to optimize recovery efforts.
- Executed field recovery visits and negotiated with customers on overdue and chronic accounts, facilitating successful repayment arrangements.
Collection & Sales Executive
Arohan Financial Services Limited
04.2017 - 11.2019
- Managed microfinance collections and customer service in rural markets, enhancing client relationships.
- Conducted center meetings (CM) and Group Readiness Tests (GRT) for JLG loans, ensuring borrower preparedness.
- Maintained high collection efficiency through consistent customer follow-up, reinforcing repayment commitment.
Education
Bachelor of Arts -
Sido Kanhu Murmu University
Dumka11-2021
Skills
Recovery strategies and collection methods
Oversight of bad debt management
Delinquency control measures
Skip tracing methodologies
Coordination of repossessions
Legal and operational oversight
Arbitration procedures
Collaboration with local authorities
Planning for recovery initiatives
Supervision of agencies involved
Reporting accuracy practices
Expertise in technical tools
Excel advanced features proficiency
V-lookup and X-lookup capabilities in Excel
Analysis through pivot tables
Techniques for data analysis
Monitoring of financial portfolios
Certification
Cleared DRA (Debt Recovery Agent) – IIBF Certified.
Interests
Financial Market Research
Timeline
Senior Excutive- Receivable Bad Debt Collection
Mahindra & Mahindra Financial Services Ltd.
08.2024 - Current
Sales & Operations Coordinator
Teamlease Services Limited (IPPB Project)
01.2023 - 07.2024
Senior Collection Executive
Vedika Fincorp / Jatinder Finance (JFPL)
01.2020 - 12.2022
Collection & Sales Executive
Arohan Financial Services Limited
04.2017 - 11.2019
Bachelor of Arts -
Sido Kanhu Murmu University