SK Hussain
Zonal Recovery Manager
Siliguri :
Summary
Result-Driven Professional with 18 Years of Experience in Debt Recovery, and NPA Management in the Banking & Financial Services Sector. Expertise in Managing end-to-end Delinquency Management for Retail Loans, Mortgage Loans and Credit Card. Proven Track Record in Reducing Delinquencies and Improving Recovery Rates Through Strategic Planning, Field Collections, and Legal Interventions. Skilled in Implementing SARFAESI Act, DRT, N.I. Act, Civil Suit, ODR or Lok Adalat and other Legal Recovery Mechanisms to Improve Health of Non-Performing Assets and Overall Delinquent Book.
Overview
19
19
years of professional experience
4
4
Languages
Work History
Zonal Recovery Manager
Slice Small Finance Bank
06.2025 - Current
- Managing a Multi-Billion Worth of Unhealthy Delinquent Pool of Retail and Mortgage Loans for Across the North Bengal and Sikkim
- Developing and Implementing Collection Strategies to Minimise the Delinquencies and Improve the Health of Delinquent Book
- Supervision a Team of 25 collectors and Managers to Ensure Timely Recovery of Dues.
- Utilization of SARFAESI Act, DRT, NI Act, Civil Suit, ODR & Lok Adalat for Treating Delinquency to Keep the NPA & NCL Under Control.
- Conduct Field Inspection to Monitor Collection Activities, Resolve Disputes, and Ensure Compliance with Regulatory Guidelines.
- Prepare and Analyse MIS Reports to Track Collection Performance, Identify Trends, and Recommend Corrective Measures
- Coordinate with Legal Team and External Advocates to Handle Court Cases and Recovery Proceedings.
- Ensure Adherence to RBI Guidelines and Internal Policies During Collection and Recovery Processes.
- Achieving 10% Reduction in NPA Book MOM and a Drastic Improvement in Recovery Rates and Health of Delinquent Book within Stipulated Timeframe.
- Successfully Resolved Multiple High-Value NPA Accounts through Legal Interventions and Field Commitments
- Trained and Mentored 25-30 team Members, Improving Overall Team Efficiency by Multifold.
- Increased efficiency within the department by identifying areas for process improvement and implementing changes accordingly.
- Achieved higher success rates in asset recoveries by conducting thorough investigations and utilizing advanced tools.
Regional Collection Manager
ICICI BANK LTD.
06.2015 - 06.2025
- Managing a Multi-Billion Worth of Unhealthy Delinquent Pool of Retail and Mortgage Loans for Across the North Bengal and Sikkim
- Developing and Implementing Collection Strategies to Minimise the Delinquencies and Improve the Health of Delinquent Book
- Supervision a Team of 25 collectors and Managers to Ensure Timely Recovery of Dues.
- Utilization of SARFAESI Act, DRT, NI Act, Civil Suit, ODR & Lok Adalat for Treating Delinquency to Keep the NPA & NCL Under Control.
- Conduct Field Inspection to Monitor Collection Activities, Resolve Disputes, and Ensure Compliance with Regulatory Guidelines.
- Prepare and Analyse MIS Reports to Track Collection Performance, Identify Trends, and Recommend Corrective Measures
- Coordinate with Legal Team and External Advocates to Handle Court Cases and Recovery Proceedings.
- Ensure Adherence to RBI Guidelines and Internal Policies During Collection and Recovery Processes.
- Achieving 10% Reduction in NPA Book MOM and a Drastic Improvement in Recovery Rates and Health of Delinquent Book within Stipulated Timeframe.
- Successfully Resolved Multiple High-Value NPA Accounts through Legal Interventions and Field Commitments
- Trained and Mentored 25-30 team Members, Improving Overall Team Efficiency by Multifold.
Senior Executive (Customer Retention)
AVIVA Life Insurance Company Limited
02.2014 - 06.2015
- Worked towards upgrading and retaining existing customers to renew their insurance policy subscriptions.
- Visited client locations to collect premium cheques/amounts for retained customers in the assigned region.
- Presented Features & Benefits (F&Bs) of insurance plans based on client requirements to ensure future returns.
- Promoted the benefits of long-term investment in insurance to encourage policy renewals and additional investments.
Senior Executive (Customer Support)
Ginger Soft Media Pvt. Ltd.
11.2012 - 07.2013
Operations Executive
IIT Insurance Broking & Risk Management Pvt. Ltd.
11.2012 - 07.2013
Customer Relationship Officer (Customer Retention)
Future Generali India Life Insurance Co. Ltd.
07.2009 - 11.2012
Customer Support Representative
Bajaj Allianz Life Insurance Co. Ltd
05.2007 - 07.2009
Education
BA - English
Burdwan University
Burdwan, West Bengal01.2006
12th - State Board
S.C. High School
Burdwan, West Bengal01.2002
10th - State Board
CMS High School
Burdwan, West Bengal01.2000
Skills
Segmentation & Tailored Interventions
Strengthen Customer Communication
Continuous Monitoring & Feedback Loops
Flow, PNPA, NPA & Write-Off Management
Legal Recovery Mechanisms Implementation ( Like SARFAESI, DRT, NI Act, Civil Suit,ODR, Lok Adalat)
Strong Communication & Negotiation Skills
Data - Driven, Decision - Making & Analytics
Proactive Problem-Solving
Time Management & Prioritization
Regulatory Compliance & Risk Management
MIS Reporting & Data Analysis
Team Leadership, Training, Monitoring & Mentoring
Customer Relationship Management
Windows , MS Office (MS Word, Excel, PowerPoint)
Personal Information
Date of Birth: 12/24/83
Marital Status: Married
Location Preference
Across West Bengal
Timeline
Zonal Recovery Manager
Slice Small Finance Bank
06.2025 - Current
Regional Collection Manager
ICICI BANK LTD.
06.2015 - 06.2025
Senior Executive (Customer Retention)
AVIVA Life Insurance Company Limited
02.2014 - 06.2015
Senior Executive (Customer Support)
Ginger Soft Media Pvt. Ltd.
11.2012 - 07.2013
Operations Executive
IIT Insurance Broking & Risk Management Pvt. Ltd.
11.2012 - 07.2013
Customer Relationship Officer (Customer Retention)
Future Generali India Life Insurance Co. Ltd.
07.2009 - 11.2012
Customer Support Representative
Bajaj Allianz Life Insurance Co. Ltd
05.2007 - 07.2009
BA - English
Burdwan University
12th - State Board
S.C. High School
10th - State Board
CMS High School