Gaurav Mahani
Mumbai
Summary
23 years of professional experience in the BFSI domain in different segments, such as Corporate Finance, Strategy, SME-MSME, Emerging & Small Enterprises, Digital space, Trade Finance, and Mortgages.
Overview
23
23
years of professional experience
Work History
Business Head – MSME
CSB Bank
02.2024 - Current
- Responsible for setting and scaling up the Bank's Small and Mid sized Corporates lending Business (Micro Small & Medium Enterprises).
- Our Team was handpicked to oversee and nurture MSME and Retail portfolio, building a franchise distribution at major locations of the country through 800+ strong branch network of the bank.
- Led strategic initiatives to enhance banking services and customer satisfaction.
- Developed and implemented effective business strategies, IT systems for the department for faster & effective decisions and disbursements.
- Managed cross-functional teams to drive operational efficiency and service quality.
- Oversaw compliance with regulatory requirements in banking operations and practices.
- Mentored team members to improve skills and foster professional growth.
- Established partnerships with stakeholders to expand business reach and capabilities.
- Identified new markets and opportunities for growth in existing markets.
- Devised and managed effective revenue generation strategies for increase profitability.
Zonal Business Manager-Elite (North & East)
Kotak Mahindra Bank
Delhi-NCR
09.2022 - 01.2024
- Heading North & East Zones of Elite portfolio comprising Small and Medium Enterprises.
- Our Team was handpicked to built the Elite Team comprising best in class Relationship Managers in North and East to service top SMEs for their Working Capital, Trade, Long Term and other Financing & non-financing banking requirements.
- Managed a portfolio of around Rs 7500 crores and 1200+ top SME relationships having with CAGR growth of 35%.
- Led Zonal sales strategies to enhance market presence and customer engagement.
- Monitored competitor activities and market conditions in order to adjust pricing accordingly.
- Developed and implemented strategies to maximize profitability across the assigned zone.
- Created promotional campaigns to increase customer loyalty and generate new sales leads.
- Oversaw the budgeting process to ensure fiscal responsibility and accountability.
National Credit Manager, Small Business Banking
Axis Bank Limited
Delhi-NCR
05.2018 - 09.2022
- Heading for North, East, Partial West including Gujarat, MP & Chhattisgarh as NCM Geo 1 and later Pan India as NCM SBB Portfolio.
- Managed a granular portfolio of around Rs 35,000 Crores comprising more than 77000 MSME relationships and more than 90,000 accounts spread across the country.
- Managing Credit Processing Centers (CPC) and responsible for their TAT, Portfolio quality, Compliance and overall administration
- Lead a team of 300 approx. professionally qualified, well experienced credit professionals which included 7 Zonal Credit Managers, 15 Regional Credit Managers and 80 Area Credit Managers along with Credit Managers across India
- Responsible for vendor management, Service Quality & TAT and regular review of SLAs for vendors providing Legal & Technical services.
- Led planning & structuring, feasibility testing for opening & activating of new CPCs wherever required.
- Worked on Bank's projects for providing Digital Lending solutions for small ticket customers, Designing structure for Straight Through Processes, Auto Renewals of Portfolio and conduct based renewals, Developing tech based monitoring tools for healthy asset quality to name a few.
Various Roles in Axis Bank
Axis Bank Limited
Delhi-NCR
01.2005 - 05.2018
- Worked as Zonal Credit Manager (North) - Small Business Banking, heading the Credit Team in the North Zone (Nov 2014 to May 2018).
- Sr. Relationship Manager, MEG Delhi handling Medium Enterprises and Mid Corporate Relationships (May 2013 till Nov 2014).
- Sr. Relationship Manager, Supply Chain Finance, as an initial team member to set up the Channel Finance Business in North India.
- Instrumental in onboarding prestigious relationships like Dabur, Philips, Akums Pharma, Maharashtra Seamless, Jindal Pipes, Nikon, Daikin, Samsung, Hyundai, Panasonic, Sony etc. for the bank.
- Relationship Manager of Schematic Advances as an initial team member for the pilot run of template-based working capital, trade products, and long-term financing products for micro and small corporates (May 2010 to May 2013).
- Credit Manager, SME, Agri, and Trade Advances (Nov '06 to May '10)
- Operations Executive and worked in branch banking (Jan. '05 to Nov. '06).
Operations Executive
Tata AIG Life Insurance (Deputed by Pamac Finserve)
New Delhi
08.2003 - 01.2005
- Was responsible for Financial Underwriting, TAT, policy issuance and Quality Control.
Education
MBA - EPG Diploma in Cap. & Fin. Markets Invest. Banking
Indian Institute of Foreign Trade
New Delhi01.2012
Company Secretary - Corporate Laws, M&A, Fin. Management, Compliances
Institute of Companies Secretaries of India (ICSI)
02-2009
Master of Commerce - Commerce, Accounts, Economics, Business Laws
H.P. University
06-2003
Bachelor of Commerce (Pass) - Accounts, Finance, Economics, Taxes
University of Delhi
01.1999
Skills
Key skill sets:
- Business Management & corporate debt financing
- Credit Underwriting & Sanctioning
- Credit Risk Management
- Deal Negotiation & Structuring
- Sales & Relationship Management
- Portfolio Management
- Forex Solutions and Products
- Working Capital Product Development
- Business Planning & Data Analysis
- Supply chain and channel financing
- Planning and Budgeting
- Business Presentation
- Working capital and retail asset product development
- Retail assets and retail liability products
- Revenue generation
Accomplishments
• CAIIB & JAIIB from Indian Institute of Banking & Finance (IIBF)
• PG Diploma in Banking & Securities Law from Indian Law Institute (ILI)
• PG Diploma in Intellectual Property Rights from Indian Law Institute (ILI)
• Awards in Singing and sports like Swimming, Volleyball, Athletics.
• PG Diploma in Banking & Securities Law from Indian Law Institute (ILI)
• PG Diploma in Intellectual Property Rights from Indian Law Institute (ILI)
• Awards in Singing and sports like Swimming, Volleyball, Athletics.
Languages
- English
- Hindi
- Punjabi
Preferred Location
Dubai and Abu Dhabi however open for relocation anywhere in GCC countries
Personal Information
- Father's Name: Shri Shyam Sundar
- Mother's Name: Late Mrs. Krishna Kumari
- Marital Status: Married
Timeline
Business Head – MSME
CSB Bank
02.2024 - Current
Zonal Business Manager-Elite (North & East)
Kotak Mahindra Bank
09.2022 - 01.2024
National Credit Manager, Small Business Banking
Axis Bank Limited
05.2018 - 09.2022
Various Roles in Axis Bank
Axis Bank Limited
01.2005 - 05.2018
Operations Executive
Tata AIG Life Insurance (Deputed by Pamac Finserve)
08.2003 - 01.2005
MBA - EPG Diploma in Cap. & Fin. Markets Invest. Banking
Indian Institute of Foreign Trade
Company Secretary - Corporate Laws, M&A, Fin. Management, Compliances
Institute of Companies Secretaries of India (ICSI)
Master of Commerce - Commerce, Accounts, Economics, Business Laws
H.P. University
Bachelor of Commerce (Pass) - Accounts, Finance, Economics, Taxes
University of Delhi