  Recombination losses contribute to reduce $J_{SC}$, $V_{OC}$ and the fill
factor of organic solar cells. Recent advances in non-fullerene organic
photovoltaics have shown, nonetheless, that efficient charge generation can
occur under small energetic driving forces ($\Delta E_{DA}$) and low
recombination losses. To shed light on this issue, we set up a coarse-grained
open quantum mechanical model for investigating the charge generation dynamics
subject to various energy loss mechanisms. The influence of energetic driving
force, Coulomb interaction, vibrational disorder, geminate recombination,
temperature and external bias are included in the analysis of the optimal
photovoltaic conditions for charge carrier generation. The assessment reveals
that the overall energy losses are not only minimized when $\Delta E_{DA}$
approaches the effective reorganization energy at the interface but also become
insensitive to temperature and electric field variations. It is also observed
that a moderate reverse bias reduces geminate recombination losses
significantly at vanishing driving forces, where the charge generation is
strongly affected by temperature.
