SUMAN KARMAKAR

• Collection Management.

Ensure timely follow-up with customers for overdue payments.

Manage and achieve monthly and quarterly collection targets.

Allocate and monitor accounts for collection executives/DCA's.

• Team Handling.

Supervise, train, and motivate on-roll managers and executives.

Monitor performances, and provide guidance for effective recovery.

• Field visits and resolutions.

Conduct customer visits in overdue and delinquent cases.

Negotiate settlement and repayment plans as per policy.

Ensure skip tracing and address verification where required.

• Process and compliance.

Maintain updated records of collections, customer interactions, and field visits.

Ensure collections are done ethically, and in compliance with RBI and Company guidelines.

Coordinate with the legal team for the escalation of chronic/default accounts.

• Reporting and MIS.

Prepare daily, weekly, and monthly collection reports.

Track bounce cases, NPA accounts, and settlement closures.

• Sales and Revenue Generation.

Identify new business opportunities and convert leads into sales.

Upsell and cross-sell consumer products to maximize revenue.

• Market Development.

Map assigned territory, and expand customer base.

Gather market intelligence on competitors, pricing, and consumer behavior.

• Collaborated with channel partners to identify and qualify mutually rewarding sales and business opportunities.