Subhrangshu Rakshit
Kolkata
Summary
Accomplished Area Collection Head with a proven track record at SAMMAAN CAPITAL, adept in skip tracing and team management. Leveraged strong communication and analytical skills to achieve 98% of monthly collection targets, overseeing a robust portfolio across West Bengal and Orissa. Expert in legal collection frameworks, consistently enhancing team efficiency and strategy execution.
Overview
16
16
years of professional experience
1
1
Certification
Work History
AREA COLLECTION HEAD
SAMMAAN CAPITAL
KOLKATA
01.2021 - Current
- Company Overview: Formally Known as Indiabulls Housing Finance.
- Looking after the entire West Bengal and Orissa HL and LAP collection portfolio from bucket X to 3.
- Average monthly cases allocated: 500+ total positive value: 250 crore (approx.).
- Review and evaluate delinquent accounts, determining appropriate actions to be taken in accordance with company policies and legal requirements.
- Handling 14 field officers also includes 3 team leaders, and 2 assistant managers.
- Closely monitor all team members, taking feedback, and tracking all team members' performances.
- Locate skip customers using credit bureau information, background checks, loan documents, and other paperwork.
- Overall, average monthly targets achieve 98% every month against the total monthly target.
- Working closely with the legal team to initiate pre-SARFAESI/Section 138 action by issuing a notice/executing a warrant.
- Having full knowledge of SARFAESI proceedings, the 138 NI Act process, and quite a bit of knowledge about Section 9 of the Arbitration and Conciliation Act.
- Explored and created new ways to resolve problems with processes, technology, or team members to improve overall efficiency.
- Planned and executed new strategies to increase collection for RTP/SKIP cases.
- I spoke with escalated customers to learn the reasons for overdue payments and to try to collect overdue payments.
DEPUTY MANAGER
SHIRAM HOUSING FINANCE LTD
03.2020 - 01.2021
- Handling HL and LAP accounts from BKT X to 4+ NPA Accounts
- Handling collection agency and Enforcement agency
- Attended Scheduled Lok Adalot activity and Motivate those customers who came there for settlement
- Doing Sarfeasi Act activity as per legal team required
- Preparing Collection MIS and send it to Area Collection Manager
Senior Resolution Officer
ASSET RECONSTRUCTION COMPANY
KOLKATA
01.2016 - 03.2020
Senior Resolution Counselor
MAGMA FINCORP LTD
KOLKATA
10.2013 - 12.2015
Collection Officer
INDIA BULLS HOUSING FINANCE LTD
KOLKATA
01.2009 - 12.2012
Education
B.A. -
Global Open University of Nagaland
01.2010
High secondary -
West Bengal Board Of Higher Secondary Education
01.2003
Secondary -
West Bengal Board Of Secondary Education
01.2001
Skills
- Strong communication skills
- Analytical skills
- Negotiation skills
- Leadership skills
- Knowledge of collection laws
- Problem-solving
- Team Management
- Data analysis
- Skip tracing
- MS Office Suite
- Local market awareness
- Knowledge of Fin One, Galaxy, and related systems
Personal Information
- Father's Name: Mr. Shantanu Rakshit
- Date of Birth: 11/14/83
- Gender: Male
- Marital Status: Married
Languages
Bengali
First Language
English
Advanced (C1)
C1
Hindi
Advanced (C1)
C1
Certification
- Automobile Engineering Course From GTTI in 2011
Declaration
- I hereby declare that the facts given above are genuine to the best of my knowledge and belief.
Timeline
AREA COLLECTION HEAD
SAMMAAN CAPITAL
01.2021 - Current
DEPUTY MANAGER
SHIRAM HOUSING FINANCE LTD
03.2020 - 01.2021
Senior Resolution Officer
ASSET RECONSTRUCTION COMPANY
01.2016 - 03.2020
Senior Resolution Counselor
MAGMA FINCORP LTD
10.2013 - 12.2015
Collection Officer
INDIA BULLS HOUSING FINANCE LTD
01.2009 - 12.2012
B.A. -
Global Open University of Nagaland
High secondary -
West Bengal Board Of Higher Secondary Education
Secondary -
West Bengal Board Of Secondary Education
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