SUJEET KUMAR
Katihar
Summary
Result-driven Collection Manager with 11 years of experience in secured and unsecured rural collections, specializing in 0 to write-off cases across Bihar. Skilled in recovery strategy, NPA reduction, team leadership, legal coordination, and rural customer engagement. Proven record of handling multiple branches, improving recovery efficiency and maintaining compliance in line with banking standards.
Achieved significant delinquency reduction and compliance adherence in rural collections, focusing on team management, customer negotiation, and portfolio analysis.
Overview
11
11
years of professional experience
Education
Bachelor of Commerce - Account Honours
Bhupendra Narayan Mandal University
Madhepura, BiharIntermediate of Commerce -
Bihar School Examination Board
PatnaSecondary School -
Bihar School Examination Board
KatiharWork History
Debt Manager, Flows Rual Assets
IDFC FIRST BANK
Patna
09.2024 - Current
- Manage end-to-end collection operations for secured and unsecured rural portfolios across all branches in Bihar.
- Lead strategies for 0 DPD, early bucket, and write-off cases to reduce delinquency and improve recovery.
- Coordinate with branch teams, field executives, and collection agencies to ensure timely follow-ups.
- Conduct field visits for high-value and escalated cases to negotiate settlements or restructure plans.
- Analyze portfolio trends, DPD movement, and collection efficiencies; prepare MIS for senior leadership.
- Ensure compliance with RBI guidelines, internal audit norms, and bank policies.
- Handle SARFAESI, legal notices, and documentation for severe delinquency accounts.
- Train & supervise rural collection staff to strengthen performance and reduce TAT.
Assistant Cluster Manager
Bharat Financial Inclusion Limited
Darbhanga
01.2024 - 09.2024
- A 100% Subsidiary of IndusInd Bank LTD
Location Manager
Hinduja Leyland Finance Ltd
Forbesganj
03.2022 - 01.2024
Collection Executive
HLF Services
Purnia
01.2015 - 03.2022
Skills
- Rural Secured & Unsecured Collections
- 0 DPD & Write-Off Case Handling
- Delinquency Reduction & NPA Control
- Team & Agency Management
- Field Collections & Customer Negotiation
- Portfolio Analysis & MIS Reporting
- Legal Coordination (SARFAESI, Notices, Repossession)
- Multi-branch Operations Handling
- Rural Customer Relationship Management
- Compliance & Audit Handling
- Banking & Compliance Training
- Rural Finance & Risk Management
Personal Information
Date of Birth: 01/14/89
Languages
Hindi, English
First Language
Bhojpuri
Beginner
A1
Timeline
Debt Manager, Flows Rual Assets
IDFC FIRST BANK
09.2024 - Current
Assistant Cluster Manager
Bharat Financial Inclusion Limited
01.2024 - 09.2024
Location Manager
Hinduja Leyland Finance Ltd
03.2022 - 01.2024
Collection Executive
HLF Services
01.2015 - 03.2022
Bachelor of Commerce - Account Honours
Bhupendra Narayan Mandal University
Intermediate of Commerce -
Bihar School Examination Board
Secondary School -
Bihar School Examination Board