20+ Years Experience | 75% Higher Recovery vs Previous Agencies | SARFAESI Experts | Trusted by ICICI, Axis & SBI Card | Kolkata-based
Working with leading banks & NBFCs across Eastern India
XL Management Services provides recovery and collection support for banks and NBFCs across Eastern India.
Backed by experienced teams, established processes, and strong field infrastructure, we help financial institutions manage overdue accounts, improve cash flow, and maintain compliance throughout the recovery lifecycle.
Managing portfolios for ICICI Bank, Axis Finance, SBI Cards, IDBI Bank, Bandhan Bank, and InCred Financial Services.
Years Experience
Banking Clients
Recovery Professionals
Comprehensive debt management solutions designed to help financial institutions
recover outstanding portfolios efficiently and compliantly.
End-to-end recovery for Home Loans, Personal Loans, Auto Loans, and Credit Cards across 0–1200+ DPD buckets using structured field and telecalling operations
Specialized recovery services for digital lenders and fintech loan portfolios.
Complete handling of SARFAESI proceedings including notice issuance, possession, and coordination with legal teams for secured asset recovery.
Strict adherence to RBI recovery guidelines with ethical practices, borrower dignity, and transparent communication protocols.
On-ground borrower engagement through trained field recovery professionals.
Dedicated telecalling teams using IVR and auto-dialer systems.
Our recovery solutions are backed by strong field performance and a structured, compliance-driven recovery process.
Our recovery operations have consistently delivered strong results across multiple loan portfolios and financial institutions.
Higher Portfolio Resolution
vs previous recovery agency
Home Loan Accounts Managed
Personal Loan Customers Handled
Credit Card Accounts Managed
Years Managing ICICI Loan Portfolios
A structured, compliant, and transparent approach designed to maximize recovery while protecting client relationships.
We review the assigned accounts, analyze borrower profiles, and determine the most effective recovery strategy.
Our team develops a structured recovery plan including field visits, telecalling outreach, and escalation paths.
Structured telecalling and field visits with professional negotiation to maximize recovery while maintaining customer relationships.
We work toward repayment agreements, settlements, or structured payment schedules.
Clients receive transparent reporting, progress updates, and documentation while ensuring regulatory compliance.
Extensive experience managing recovery operations across secured and unsecured lending portfolios. Handling secured and unsecured portfolios across multiple DPD categories.
Home Loans
Personal Loans
Auto Loans
Loan Against Property
Business Loans
Commercial Loans
Credit Card
"XL Management Services helped us significantly improve our recovery performance. Their professional and structured approach made a strong impact on our portfolio."
"Their recovery strategies and disciplined execution delivered consistent results. The team demonstrated professionalism and commitment throughout our collaboration."
"Working with XL Management Services helped strengthen our recovery operations. Their systematic approach and experience were highly valuable."
Supporting banks and NBFCs with structured recovery solutions, compliant processes, and measurable results.
