BISWAJIT MOHAPATRA

- Currently managing the Two-Wheeler Portfolio across BKTS for East 2 and West 2.
- Defining service standards and guidelines to serve as benchmarks for excellent service delivery, setting targets for the team, and achieving them.
- Benchmarking best practices and reviewing metrics to ensure consistency in client interactions and foster continuous improvement in service levels.
- Administering and evaluating the performance of 2 ACMs, 16 Collection Managers, 17 agencies, and 112 collection officers within the agency.
- Facilitating legal activities and initiating legal cases as necessary, including those under Sec. 9 & 17 and Sec. 138. Over the last 6 months, achieved a significant reduction in NPA, with an average resolution rate of 8%.
- Achieved the Best Performer award from the bank in Q3 and Q4 for securing the 1st position Pan India, with BKT 1 averaging 93%, BKT 2 at 85%, and BKT 3 at 80%.
- Ensured zero deviations in the audit process for Repo & Sale of Assets. For the past 2 years, maintained the number one position in Repo & Sale of Assets.
- Sending daily performance MIS and serving as the coordinator for pan-India operations. Responsible for sending monthly Repo master files, TCS/GST data, and allocation files for pan-India, and coordinating billing for the entire region.
- Additionally, coordinating the transmission of SMS data to the central team.
- In July 2024, received the Best Team Player award from Axis Bank, representing the Two-Wheeler product.

- Overseeing Tractor & KGC loan collections for Khurda and Puri districts.
- Managing 12 in-house field executives and 20 agency collection executives.
- Conducting group visits with Sales, Credit, and Legal teams to address chronic defaulters and non-starters.
- Setting bucket-wise and repossession targets for the month.
- Personally visiting important cases, including those with 90+ days past due (90dpd) and higher bucket cases.
- Collaborating with the Legal Team on all legal-related cases throughout Orissa.
- Coordinating with the Repo Team to seize vehicles with the assistance of local police.
- Evaluating various methods for developing company income, including CBC, LPC, and repo sales, and preparing FPR for all collection-related data in Orissa.
- Allocating cases to Collection Managers and agencies based on area and ACR.
- Coordinating with the Central Team for billing-related data.
- Monitoring daily collection deposits in the bank and updating the system.
- Performing all month-end activities.

- Managing the two-wheeler portfolio for the eastern part of Odisha.
- Allocating cases to agencies.
- Setting bucket-wise and repossession targets.
- Personally visiting important cases, including those with 90+ days past due (90dpd) and higher bucket cases.
- Monitoring daily collection deposits in the bank and updating the system.
- Coordinating with the Repo Team to seize vehicles with the assistance of local police.
- Organizing training sessions for the collection team.
- Investigating fraudulent transactions and managing recoveries.
- Conducting timely self-audits of FOS (Field Operations Staff).
- Monitoring agency collection officers under the guidance of the Area Manager.
- Preparing and sharing daily, weekly, and monthly collection reports with ACLM.
- Monitoring and guiding the collection team to ensure collection efficiency.
- Keeping track of and applying pressure on Collection Executives for recovery from chronic defaulters.

- Overseeing the collection portfolio and backend activities for agricultural product loans.
- Allocating and uploading FOS-wise demand lists to the web.
- Monitoring daily collection deposits in the bank and updating the system.
- Responsible for collection performance at my location.
- Tracking each account and conducting regular field visits to address critical cases.
- Preparing and publishing the collection MIS on a daily basis.
- Preparing the MR schedule for receipt cuts and direct deposits daily for Odisha.
- Performing all month-end activities.
- Reconciling receipt books for next field executives.