P.V.S. KRISHNA MOHAN

• Advising VSFS on digital debt management and collections strategy for banking, NBFC and fintech portfolios.

Leading the design and implementation of technology-enabled collection models covering PAN India telecalling, field collections, NPA management and recovery operations.

• Designed contact-center infrastructure, including autodialer, CRM, workflow automation, collection MIS and performance dashboards.
• Developed portfolio segmentation, collection strategies, productivity frameworks and recovery-performance metrics. Integrated CRM, dialer, API, Power BI/MIS, and automated customer engagement workflows to enhance operational efficiency.
• Advised on operating model, manpower planning, process governance, quality monitoring, and collection SOPs to streamline processes.
• Acquired and onboarded collection portfolios. Developed digital payment nudges, automated communication strategies, and analytics-led follow-up processes for technology-driven collections.
• Supported VSFS in developing a scalable PAN-India digital collections operating model.
• Mentored junior consultants, fostering professional growth and enhancing team performance through knowledge sharing.
• Analyzed client data to identify trends, providing actionable insights for informed decision-making.
• Collaborated with cross-functional teams to deliver integrated solutions tailored to client needs.
• Facilitated workshops and training sessions, promoting best practices and innovative approaches among stakeholders.
• Developed custom solutions based upon clients' strict requirements.
• Troubleshot issues by understanding issue, diagnosing root cause and coming up with effective solutions.
• Facilitated workshops with clients to identify pain points, establish goals, and define actionable steps towards achieving desired outcomes.

• Collection strategy, Team management, Delinquency management, Cost control and revenue generation, Digital collections drive, Write back collections and profitability, Portfolio management risk management, Performance management and attrition control, Filed operations and vendor management.
• Collection strategy : Developing and implementing effective collection strategy for regional and national level to meet business objectives.
• Delinquency management : Control delinquency levels and reduction net flow to NPA
• Managed team of collection managers, collection officers, FTC, and external vendors to streamline operations.
• Controlled delinquency levels and reduced net flow to NPA through targeted strategies.
• Drive BKT X collections through regional call center (low-cost model)
• Digital collections drive
• 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.
• Enhance productivity of team and increase penal collections.
• 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.
• Optimized resource utilization and systematically enhanced productivity through performance management initiatives.
• Motivate and groom top performers in career growth.
• Special incentive plans and conducting R & R.
• Conducted visits to branches, vendors, and law offices to improve operational efficiency.

• RCM- TW & 3W collections of AP/TS (2016-18)
• Accountable for LLP management
• Managed 60% of total collections pool, ensuring effective resource allocation and performance monitoring
• 98% high end bike resolutions with 31% normalization MOM.
• Best region in Pan India BKT 2 to 6 (2016-17)
• Oversaw LLP management to minimize losses and enhance financial stability
• RCM- South co-lending portfolio of 3W
• (1lac accounts) -2019
• RCM – BKT X-TW Digital and low-cost call centre pick model
• –2018(AP/TS/TN)
• Achieved and maintained lowest LLP in region across Pan India, contributing to overall portfolio health
• Handled 60% of total pool
• (2011-15)
• Achievements :

• Carrier growth :
• Successfully managed secured assets portfolio of multiple products.
• Instrumental in transformed bank collection process from traditional to modern approach and techniques.
• Topper in PAN India in 2006/2007 and 2008
• Managed secured assets portfolio across multiple products, enhancing overall risk management.
• May 2005- April 2008 handled Coastal AP -TW/3W/CV/CE/HL (erstwhile CBOP)
• Transformed bank collection process from traditional to modern techniques, increasing efficiency and collection rates.
• Achieved lowest loan loss rate in the state, demonstrating effective risk assessment and management.

• Officer-Unsecured collections from September 2003 to April 2005, Hyderabad for Credit card recovery
• Managed collections for SCB (ICDS) from September 2003 to April 2005 and SCB rolls from August 2004 to April 2005.
• Achievements :
• Reduced high vintage Grindlays by 35%, enhancing recovery rates.
• Successfully reduced high vintage Grindlays( 35%)
• Managing 3 high volume vendors
• Resolved numerous high-end customer disputes and skip cases, contributing to improved collections.
• Awarded twice as Hyderabad centre top performer

• Significant Achievements:
• Established separate FI agency and in-house DMA's to enhance lead generation efforts.
• Well controlled arrears and maintain healthy book in all aspects.
• Maintained error free file dispatch and timely disbursal to dealers.
• Cultivated strong relationships with dealers and internal/external customers to support business objectives.