SAMEER S JUNEJA
Mumbai
Summary
Senior business and collections executive with 30+ years of experience driving business growth, revenue performance, and operational excellence across leading financial institutions, including SBFC Ltd., Capri Global, and ICICI Bank. Strategic leader with deep expertise in debt management, collections, legal and litigation, and mortgage/home-loan portfolios. Proven track record of maximizing recoveries through robust risk assessment, portfolio strategy, operational governance, and technology-led collection initiatives. Experienced in leading large, high-performing teams, developing future leaders, and building a competitive, performance-driven culture. Consistently recognized for strong business performance, including the prestigious Chairman’s Club recognition at IBHFL.
Overview
1
1
Certification
31
31
years of professional experience
Work History
Chief Collection Officer
SBFC Limited
Mumbai
04.2026 - Current
- Leading end-to-end collections and legal operations with a team of 900+ professionals, overseeing recovery strategy, execution, and performance.
- Overseeing daily operations to ensure strict adherence to regulatory, compliance, governance, and quality standards.
- Driving portfolio performance by maintaining effective control over 1+ DPD and 90+ DPD delinquency buckets, ensuring collection targets and recovery objectives are achieved.
- Maximizing the use of AI, advanced analytics, and technology-driven collection strategies to optimize recovery, enhance operational efficiency, and reduce the overall cost of collections.
- Implementing data-driven performance management practices to identify delinquency trends, prioritize high-risk accounts, and improve recovery effectiveness.
GROUP COLLECTION HEAD
CAPRI GLOBAL CAPITAL LTD
04.2025 - 04.2026
- Leading collections and recoveries for both CGCL and CGHFL, managing a diverse portfolio spanning MSME, Micro LAP, Solar, and Home Loans (HL).
- Managing a combination of in-house teams and agency modules to effectively handle a large and diverse portfolio, ensuring optimal performance, operational efficiency, and compliance.
- Identifying and closing key operational gaps, resulting in a significant improvement in collection efficiency and overall portfolio performance.
- Successfully leading a large in-house team of 540 employees, spanning National Collection Heads (NCHs) to three National Collection Managers (NCMs) and their respective teams.
RESOLUTION AND RECOVERY HEAD, RETAIL
EDELWEISS ASSET RECONSTRUCTION COMPANY LIMITED
07.2023 - 03.2025
- Leading recoveries and resolutions for the largest retail portfolio among Asset Reconstruction Companies (ARCs), covering a diverse product mix including mortgages, unsecured loans, education loans, business loans, and auto loans.
- Managing a combination of in-house teams and agency modules to handle diverse portfolios effectively, ensuring optimal performance, operational efficiency, and compliance.
- Establishing and optimizing Standard Operating Procedures (SOPs) to strengthen recovery controls, operational governance, and compliance.
- Building and developing a high-performing retail collections team to manage newly acquired portfolios, ensuring seamless integration and strong recovery performance.
- Driving significant growth in recovery numbers, establishing new benchmarks for collection efficiency at EARC and across the retail ARC industry.
NATIONAL COLLECTION MANAGER
INDIABULLS HOUSING FINANCE LTD.
04.2021 - 06.2023
- Managing and controlling a ₹7,500+ crore delinquent mortgage portfolio, overseeing the transition and resolution of accounts into Non-Performing Assets (NPAs).
- Building and leading an in-house team of 250+ professionals, spanning junior to senior management levels, while fostering a high-performance and results-driven culture.
- Achieving a consistent 99% resolution rate in the 0–30 DPD bucket, setting a benchmark for effective management of the SMA 2 segment and early-stage delinquency.
- Entrusted with end-to-end management of a ₹5,000+ crore co-origination portfolio, representing a key strategic business segment and a major focus of IBHFL’s current and future growth.
NATIONAL MANAGER COLLECTIONS
BAJAJ HOUSING FINANCE LTD.
10.2020 - 03.2021
- Reviewed the management of the entire GCL (Gross Credit Loss) and NPL (Net Profit Loss) portfolios across PAN India, establishing a new team and vertical from the ground up.
- Implemented high process standards that achieved the highest resolution and normalization rates for both GCL and NPL portfolios.
- Successfully reduced the entire GCL book to one-third of its original size within six months, demonstrating strong efficiency and effectiveness in portfolio management.
ZONAL COLLECTION HEAD
INDIABULLS HOUSING FINANCE LTD.
12.2009 - 09.2020
- Led the entire South and West zones as Zonal Collection Head, overseeing almost 55–60% of the PAN India portfolio.
- Achieved top ratings across all four zones in % resolution, normalizations/rollbacks, money collection, and P&L management, contributing to winning the prestigious “Chairman Club” award.
- Maintained the status of the most profitable zone PAN India consistently by achieving the best P&L ratio through minimizing CNP accounts and maximizing OD charges collections month after month.
- Managed Home Loans (HL) and Loan Against Property (LAP) for South, West, and Rajasthan, handling a large delinquent book averaging ₹3,500–4,000 crores.
- Oversaw a range of products including business loans and small-ticket personal loans for almost 4–5 years.
- Formulated and implemented strategies that were adopted PAN India, earning appreciation and a Certificate of Excellence from the Vice Chairman for the best zone.
- Ensured zero audit queries by maintaining best practices within the team, contributing to a minimum 30+ delinquency ratio when compared PAN India.
REGIONAL DEBT MANAGER
ICICI BANK LIMITED
11.2007 - 12.2009
- Reviewed a portfolio of over 180 Personal Loans in Delhi/NCR and parts of Rajasthan, managing a monthly base exceeding ₹200 crores and handling 20,000 cases.
- Implemented streamlined processes utilizing advanced technological methods for tracing skip customers and recommended more efficient legal tools to optimize operational efficiency.
- Conducted Lok Adalats for conciliation with defaulting customers, facilitating resolution through alternative dispute resolution mechanisms.
- Elevated the monthly number of traced cases, resulting in improved resolution rates across all delinquency buckets and a reduction in the overall delinquent portfolio.
- Revamped systems to minimize roll forwards in buckets 9 and 12, devising strategies and addressing challenges with high point of sale and disputed customers.
- Recognized with a certificate of appreciation through the “Rewards and Recognition” program, acknowledging exemplary performance and initiatives among the top 5% of employees.
- Achieved a remarkable milestone of ₹2 crores in monthly cash collections, maintaining the highest performance level nationwide.
SALES
NOVARTIS INDIA LIMITED
05.1998 - 10.2007
- Ranked 3rd nationally in 2006, earning a place in the Hall of Fame.
- Received the Asia Pacific Sales Excellency Award in 2007.
- Regularly recognized at Annual Star Award functions.
SALES
RANBAXY LABORATORIES LIMITED
10.1997 - 04.1998
SALES
DR. REDDY'S LABORATORIES LIMITED
06.1996 - 10.1997
SALES
PERCH LABORATORIES LIMITED
10.1995 - 05.1996
Education
Bachelor of Science - Mathematics
SCIENCE COLLEGE, JIWAJI UNIVERSITY
Skills
- Strategic Planning & Leadership
- Operational Efficiency
- Legal & Regulatory Compliance
- Collections & Recovery Strategies
- People Management & Mentoring
- Delinquency & Portfolio Management
- Risk & Credit Management
- Cost Control & Retention
- Digital Transformations & Transition
- Team Leadership and Development
- Cross-Functional Collaboration
Certification
In-House Certificate Programme in Leadership Skills — XLRI Jamshedpur
In-House Mindfulness-Based Leadership Programme — Indian Institute of Management Indore
Timeline
Chief Collection Officer
SBFC Limited
04.2026 - Current
GROUP COLLECTION HEAD
CAPRI GLOBAL CAPITAL LTD
04.2025 - 04.2026
RESOLUTION AND RECOVERY HEAD, RETAIL
EDELWEISS ASSET RECONSTRUCTION COMPANY LIMITED
07.2023 - 03.2025
NATIONAL COLLECTION MANAGER
INDIABULLS HOUSING FINANCE LTD.
04.2021 - 06.2023
NATIONAL MANAGER COLLECTIONS
BAJAJ HOUSING FINANCE LTD.
10.2020 - 03.2021
ZONAL COLLECTION HEAD
INDIABULLS HOUSING FINANCE LTD.
12.2009 - 09.2020
REGIONAL DEBT MANAGER
ICICI BANK LIMITED
11.2007 - 12.2009
SALES
NOVARTIS INDIA LIMITED
05.1998 - 10.2007
SALES
RANBAXY LABORATORIES LIMITED
10.1997 - 04.1998
SALES
DR. REDDY'S LABORATORIES LIMITED
06.1996 - 10.1997
SALES
PERCH LABORATORIES LIMITED
10.1995 - 05.1996
Bachelor of Science - Mathematics
SCIENCE COLLEGE, JIWAJI UNIVERSITY
Personal Information
- Title : Chief Collection Officer
- Date of Birth: 10 March 1975