Avinash Garad
Regional Head - Assets
Mumbai,MH
Summary
Result-driven dynamic professional with more than 20 years of relevant experience in Business Development, Sales & Marketing and Channel Management in Banking and Financial services segments. Presently associated with ICICI Bank Ltd., driving all Asset products like Mortgage, PL, BIL, AL, EL, LAS and CC
Work History
Regional Head - Assets
ICICI Bank Ltd
10.2025 - Current
- Responsible for the profitable business of all asset products, such as Mortgage, PL, BIL, AL, GL, EL, LAS, and CC, in the mapped region.
- Optimized resource allocation to maximize profits, reducing costs without compromising quality or service levels.
- Close involvement with all business activities, from lead generation to post-disbursement services and compliance.
- Improved regional performance by implementing strategic sales initiatives and effective team management.
Regional Head Sales – Mortgages
ICICI Bank Ltd
05.2019 - 09.2025
- Responsible for Home Loan and Non Home Loan business though mapped Channels of MUM3 Zone.
- Direct business sourcing through Elite segments like WEALTH, ETRG, PBG and SMEAG
- Regular engagement with exclusive segment Branch Heads and Relationship Managers for Product and process Training.
- Close involvement with all business activities from Leads to post disbursement services.
- Special drive of Non Home Loan business though SES clients.
- Aggressive drive of all Pre Approved offers, daily calling and monitoring Conversion.
- Daily monitoring of Login, Disbursement, CRM, Segment activation, RM productivity.
- Appropriate delegation of work, appraisal and training for the new updates.
- Presently handling team of 9 Relationship Managers.
Cluster Business Manager
AU Small Finance Bank Ltd
03.2019 - 05.2019
- Identifying Affordable Housing Segment Viz Builders, Customer Profiles in the given geography and formulate strategy to reach out the targeted segment.
- Identifying and recruitment of Sales team includes Area Sales Manager, Sales Managers and Relationship Officer to sale Affordable Home Loan in Mumbai and Suburbs.
- Expanding distribution network by empanelling new Connectors, Sole Selling agencies and developing new Builder Relationship.
- Regular meetings with Builders, Connectors and Brokers to identify new opportunities of business.
- Responsible for Home Loan Business for Mumbai Cluster.
- Regular arrangement of Development programs for sub-ordinates and DSTs also training team for CRM, LMS and motivate them to generate more business.
- Workout on Subvention schemes and special payment plans to meet Developers requirements
- Daily monitoring of Login, Disbursement, CRM, APF, Connectors, RO activation, SM productivity. Also drive team to work on DRR.
- Appropriate delegation of work and staff accountability for the same. Providing a growth-driven environment to the team and sustaining well-planned initiatives for performance management, appraisal and training for the new updates.
- Presently handling team of 3 Managers and 8 ROs
Regional Sales Manager – Mortgages
Indiabulls Housing Finance Ltd
03.2018 - 03.2019
- Identifying and recruitment of Sales team includes Location Manager, Sales Managers, Relationship Manager and DSTs to sale Mortgage products like Home Loan & LAP.
- Expanding distribution network by empanelling new Business Associates, Sole Selling agencies and developing new Builder Relationship.
- Regular meetings with Builders, BAs and Brokers to identify new opportunities of businesspossible for Mortgages Business for Andheri location.
- Regular arrangement of Development programs for sub-ordinates and DSTs also training team for CRM, LMS and motivate them to generate more business.
- Workout on Subvention schemes and special payment plans to meet Developers requirements
- Daily monitoring of Login, Disbursement, CRM, APF, Connectors, SM productivity. Also drive team to work on DRR.
- Appropriate delegation of work and staff accountability for the same. Providing a growth-driven environment to the team and sustaining well-planned initiatives for performance management, appraisal and training for the new updates.
- Was handling team of 6 Managers and 20 DSTs
Area Sales Manager – Mortgages and Affordable Housing ( Asha Home Loan)
Axis Bank Ltd
09.2015 - 02.2018
- Identifying Affordable Housing Segment Viz Builders, Customer Profiles in the given geography and formulate strategy to reach out the targeted segment.
- Driving Mortgage business through Branches, DSaa and Open Market Channel
- Recruitment of SM, DST & DSAs also motivating existing DSAs and monitoring their performance to ensure efficiency and to meet productivity on daily basis.
- Product and Process training to SMs, DST & DSA and their staff.
- Interacting with Credit, Ops, DSTs & DSAs on daily basis and motivating them for getting business and APFs
- Acting as one point contact for all DSA for their queries regarding product, logins, Sanctions, disbursement and post disbursement.
- Responsible for Home Loan business through Branches and Corporate Salary Team.
- Development & Training channels like Branches, Referrals, Builders, Free-lancers and Corporate Salary and alternate channels for Loan procedure, i.e. Documentation, Sanction and Disbursement, Cross selling other products like LI, SB, CC & GI.
- Arranging promotional campaigns at Axis Bank Branches, Salary Corporates with the help of Corporate Salary Group (CSG).
- Closely monitoring the LMS (Lead Management system) from leads generation to successful closure.
- Appropriate delegation of work and staff accountability for the same.Providing a growth-driven environment to the team and sustaining well-planned initiatives for performance management, appraisal and training for the new updates.
Sales Manager – Mortgages
AXIS Bank Ltd ( 8 Years & 7 Months)
02.2007 - 09.2015
- Responsible for Home Loan business through Branches, Alternate channel and Corporate Salary groups. Done 192 cr of Home Loan business in FY 2012-13 against the budget of 181 cr.
- Strengthening 28 Branches of South Mumbai from Colaba to Bandra & CSG relationship to get maximum mortgage business.
- Development & Training channels like Branches, Referrals, Builders, Free-lancers and Corporate Salary and alternate channels for Loan procedure, i.e. Documentation, Sanction and Disbursement, Cross selling other products like LI, SB, CC & GI.
- Arranging promotional campaigns at Axis Bank Branches, Salary Corporates with the help of Corporate Salary Group (CSG).
- Closely monitoring the LMS (Lead Management system) from leads generation to successful closure.
- Appropriate delegation of work and staff accountability for the same.
- Providing a growth-driven environment to the team and sustaining well-planned initiatives for performance management, appraisal and training for the new updates.
- Recruitment and training of team members, grooming them and monitoring their performance to ensure efficiency and to meet productivity benchmark.
- Achieving weekly, Monthly and Annual Sales Targets.
- Handling South Mumbai’s 28 branches including Fort, Cuffe Parade, Nariman Point, Dadar, Worli, Bandra & BKC branches with the team of 2 Team Leaders and 15 Executives.
- Also servicing Central Office staff for their Home Loan requirements through exclusive dedicated manpower.
- Achievements
- PAN India Topper in in Top line business of Home Loan in Cross Sales channel in 2009-10.
- PAN India Topper in volume disbursement of Home Loans in 2010-11, 2011-12.
Sales Executive [ Home Loan ]
HBL Global Pvt Ltd ( subsidiary of HDFC Bank Ltd) – 1 Year 5 months
10.2005 - 02.2007
- Entertaining direct Customer queries in Corporate segment via activities like help-desk, emailers ect
- To achieve sales target in the stipulated area
- Helping the Customer with their Loan procedure, i.e. Documentation, Sanction and Disbursement.
- Follow-up for disbursement with HDFC Ltd
- Developing contacts through various sources like Builders, Estate agents etc.
- Liaison with HDFC Bank CSRM for business sourcing through Salary corporates.
Sales Representative [Retail Cement Business]
T & M Services Pvt. Ltd.(Direct Associates of L & T Cement) 1.5 years
02.2004 - 09.2005
- Responsible for sales & Services of L &T Cement in the given territory
- Maintain FJP and Sales reports on daily basis.
- Recording all the Appointments.
- Solving queries of the Retailers & Distributors.
- Responsible for smooth flow and sales in the given territory.
- Responsible for conducting sales promotional activities like, Meson meet, Naka meet, Retailer & Distributor get together.
Education
Master of Business Administration -
01.2003
Dr. BAM University Aurangabad
Bachelor of Science - undefined
01.2001
SRTM University, Nanded
H.S.C. - undefined
01.1996
Maharashtra State Board, Aurangabad
S.S.C. - undefined
01.1994
CBSE, Delhi
Functional Proficiency
A keen planner, strategist and implementer with deftness in ensuring delivery of set target. Proficient in managing sales force and business activities. An effective communicator with honed interpersonal, team building, negotiation, convincing and analytical skills. Keen customer centric approach with zeal to achieve customer delight by following best service standards. Comfort in working under team-based and independent environments.