Nabojit Ray

Portfolio Recovery: Managed a localized portfolio of delinquent
retail/commercial accounts, conducting field visits to negotiate and
recover outstanding dues.
Customer Negotiation: Counseled overdue borrowers to understand
financial bottlenecks, presenting viable restructuring options and
settlement schemes to facilitate quick resolution.
Compliance & Documentation: Maintained absolute compliance with
RBI guidelines and banking codes during field operations; accurately
documented collection reports and updated account statuses in the
internal banking system