Harikingkar Mohan

Dynamic and result-oriented Banking & NBFC Leader with over 13+ years of progressive experience in managing multi-branch operations, driving revenue growth, and leading large cross-functional teams across Banking, NBFC, and Insurance sectors. Proven expertise in Unsecured and Secured loan Collection, portfolio management, NPA control, compliance, and high-performance team leadership. Strong track record of delivering consistent growth, optimizing operational efficiency, and building scalable business models.

Branch Head – Sibsagar at Jana Small Finance Bank (2022-08 – Present)

Leading end-to-end branch operations with full P&L responsibility.

• Driving growth across LAP, MHL, Micro Loans, TW Loans, CASA, Deposits & Insurance
• Managing large teams (30+ members) including Area Collection Manager Area Heads and Field Officers
• Strengthening portfolio quality through effective NPA and delinquency control strategies
• Ensuring full compliance with RBI norms and internal audit standards
• Improving productivity through structured performance management and training

Chief Managing Partner – Sibsagar at Kotak Life Insurance Co. Ltd (2021-08 – 2022-07)

Built and led a strong agency network with focus on sales strategies and revenue growth initiatives.

• Generated ₹1 Crore+ Life Insurance business in one financial year
• Awarded Top Managing Partner (Zonal Level)
• Qualified for Bangkok Convention
• Developed high-performing team including MDRT & foreign convention qualifiers
• Executed sales strategies and revenue growth initiatives
• Focused on leadership development and advisor productivity

Territory Manager (Promoted from Branch Manager) – Dibrugarh at L&T Financial Services Ltd (2018-05 – 2021-08)

Managed multiple branches and large field teams with complete business lifecycle ownership.

• Managed multiple branches and large field teams (70+)
• Owned complete business lifecycle: sales, operations, and collections
• Led expansion in Micro Loans (JLG) and Unsecured Loan segments
• Consistently delivered top performance at zonal level
• Top Performer (Zonal Level) – Twice

Area Head – Guwahati at Jana Small Finance Bank (2016-06 – 2018-05)

• Managed regional teams to achieve business and collection targets
• Handled both secured and unsecured loan portfolios
• Focused on team training, productivity, and portfolio quality

Branch Quality Representative (Promoted from Field Officer) – Guwahati at Arohan Financial Services Pvt. Ltd. (2013-01 – 2016-01)

• Managed end-to-end microfinance operations
• Handled loan disbursement, audit, collections, and MIS reporting
• Played key role in maintaining portfolio quality and compliance

Bachelor of Arts in Arts – Dibrugarh University (2014)

Higher Secondary (HS) (2010)

HSLC (2008)