P.V.S. KRISHNA MOHAN

• KPI:
• Collection strategy : Developing and implementing effective collection strategy for regional and national level to meet business objectives.
• Team management : Leading a team of 3 ZCM's and 4 ACM's in one down
• Managing big team of Collection managers, Collection officers, FTC and external vendors.
• Delinquency management : Control delinquency levels and reduction net flow to NPA
• Sensitize team on SF, RF, HR cases reduction.
• Managing 30+ and 90+ DPD metrics.
• GNPA reduction
• Cost control and revenue generation : Strategic allocation between call centre and field.
• Drive BKT X collections through regional call center (low-cost model)
• Digital collections drive
• Enhance productivity of team and increase penal collections.
• Write back collections and profitability : Improve ROR and enhance bottom line.
• Portfolio management risk management : Market and product analysis and access portfolio behavior in market
• Identify delinquency trends and counter measures for reducing debts.
• Performance management and attrition control : Optimum utilization of resources and enhance productivity in systematic manner.
• Motivate and groom top performers in career growth.
• Special incentive plans and conducting R & R.
• Filed operations and vendor management : Timely visits to branches, locations, vendors and law offices to support and enhance efficiency levels.

• Growth Path :
• ACM – TW -All BKTS – Vijayawada & Rayalseema hubs (2009-11)
• ACM- TW- BKT 1-6 - Hyderabad & Vijayawada Hub.
• Handled 60% of total pool
• (2011-15)
• RCM- TW & 3W collections of AP/TS (2016-18)
• Accountable for LLP management
• RCM – BKT X-TW Digital and low-cost call centre pick model –2018(AP/TS/TN)
• RCM- South co-lending portfolio of 3W
• (1lac accounts) -2019

Achievements :

Maintain lowest LLP Region in Pan India

98% high end bike resolutions with 31% normalization MOM.

Best region in Pan India BKT 2 to 6 (2016-17)

Best performer in PAN India in BKT 2 to 6 (2015-16)

• Carrier growth :
• May 2005- April 2008 handled Coastal AP -TW/3W/CV/CE/HL (erstwhile CBOP)
• May 2005-Apr2008 handled coastal AP-TW (HDFC bank)
• Achievements :

Successfully managed secured assets portfolio of multiple products. Topper in PAN India in 2006/2007 and 2008

Instrumental in transformed bank collection process from traditional to modern approach and techniques.

Best Low loan loss in state (

• Officer-Unsecured collections from September 2003 to April 2005, Hyderabad for Credit card recovery
• (From Aug2004 to April2005-SCB rolls and Sep2003 to July 2004- SCB (ICDS))
• Achievements :

Successfully reduced high vintage Grindlays( 35%)

SCB Credit card and PL set bench marking of 3.5% ROR

Managing 3 high volume vendors

Personally, cracked many high-end customers and dispute/skip cases.

Awarded twice as Hyderabad centre top performer

• Significant Achievements:
• Set up separate FI agency and in-house DMA's for lead generations.
• Maintained error free file dispatch and timely disbursal to dealers.
• Well controlled arrears and maintain healthy book in all aspects.
• Maintained relationships with dealers, internal and external customers.