Kenstone Capital Debt Consulting Private Limited

Swapnil Shetty

Director of Operations

Helping businesses recover outstanding receivables and unlock working capital.

Swapnil Shetty is Director of Operations at Kenstone Capital Debt Consulting Private Limited, where his professional focus is helping businesses recover unpaid debts. His role sits at the intersection of operational leadership and commercial debt recovery, supporting the firm’s purpose of unlocking cash flow and enabling business continuity.

For businesses navigating delayed payments, outstanding receivables can constrain liquidity, disrupt planning and limit investment in growth. Swapnil’s work addresses this business challenge through Kenstone Capital’s focus on B2B debt collection — an area where effective execution and a clear understanding of commercial priorities are essential.

As part of the firm’s leadership, he represents the operational dimension of Kenstone Capital’s service offering, connecting its debt recovery focus with the practical needs of businesses seeking to improve their cash position. His professional mandate reflects a clear objective: helping organisations move forward by addressing unpaid obligations and releasing capital tied up in receivables.

He has been a director of the company since its incorporation with the Registrar of Companies, Bangalore, on 6 June 2019.

Guides by Swapnil

Writes the receivables-practice guides: DSO, credit control, invoicing, dispute management, and how the collection operation is actually run.

Accounts receivable: meaning, process, and how to manage itWhat accounts receivable means, how the process runs from invoice to cash, the metrics that measure it, and how large Indian businesses manage it.Days sales outstanding (DSO): what the number measures, what it hides, and how to bring it downWhat days sales outstanding measures, the formula, what the average hides, and the levers that actually bring DSO down in an Indian mid-market business.Credit control for mid-market Indian companiesWhat credit control is, how to set terms and limits, who should own collection, and the escalation ladder that stops receivables turning into bad debt.Invoice hygiene: the invoice that gets paidWhy invoices are paid late before anyone decides not to pay them — the references and proofs a B2B invoice needs, and the practices that prevent disputes.Payment follow-up emails that get paid: templates for each stagePayment follow-up email templates for each stage after due date — reminder, firm reminder, promise confirmation, final notice — and what changes between them.The late-payment excuses every credit head hears, and the responses that workThe twelve late-payment excuses every credit head hears from Indian customers, what each usually means, and the response that moves the account.Dispute management: why unresolved disputes become unpaid invoicesWhat a dispute management process is, why an unresolved dispute becomes an unpaid invoice, and how to give every dispute an owner, an age and an outcome.Bad debt: when to keep pursuing and when to write offWhat bad debt means for a business, how a receivable becomes one, the tests for whether it is still recoverable, and when writing off is right.Receivables factoring versus debt collection: which problem are you solving?Factoring, invoice discounting and debt collection solve different receivables problems. What each does, what it costs, and when to use which.Automation and AI in debt collection: what it can and cannot doWhat automation and AI actually do in B2B debt collection, what they cannot do, and why the accountable human still recovers the money.The seven B2B debt collection mistakes that lose recoveries, and the practices that workThe seven mistakes that lose B2B recoveries in India, the challenges behind them, and the practices that work — from first reminder to agency."No recovery, no fee": what the fee hides, and what to demandA point of view: why the contingency fee model that sounds risk-free for creditors usually serves the agency better than the client, and what to ask instead.

Discuss your receivables

Tell us where you are on the curve. A practitioner — not a sales desk — reads every enquiry and replies within one working day.

+91 80 6824 8827
info@kenstonecapital.in