MAHESH MALVI

• Spearheaded the state-wide Personal Loans portfolio across Maharashtra. Driving a 40% YoY net disbursal growth, expanding market share by 15%, and successfully optimizing net interest margin (NIM) through strategic partner relationships.
• Optimized credit underwriting processes and risk management frameworks, resulting in a 10% reduction in non-performing assets (NPAs) and enhancing overall portfolio quality across 50+ branches.
• Delivered strategic initiatives for product innovation and digital lending solutions (SFDC/VKYC), increasing customer acquisition by 30% and achieving a 98% customer satisfaction score for personal loan services by FTR implementation.
• Portfolio Risk: Monitor delinquency metrics like First Payment Default (FPD), Second Payment Default (SPD) and Third Payment Default(TPD).
• Process Optimization: Coordinate with credit and operations teams to improve turnaround times (TAT).

Achievements:

• Recognized as Top Performer-Elite Category amongst all State Heads PAN INDIA FY 2024-2025.
• Recognized as Top Performer-Elite Category amongst all State Heads PAN INDIA FY 2025-2026.

• Managed a high-performing sales team of 25 professionals, fostering a results-oriented culture that consistently exceeded quarterly targets by an average of 10%.
• Directed regional sales strategy and execution at ICICI Bank Ltd, contributed to 25% year-over-year revenue growth by optimizing direct sales channel performance, and expanded customer acquisition initiatives across a territory of over 5 million potential clients.
• Conducted regular performance reviews, setting clear expectations and supporting employee development initiatives.
• Created and implemented innovative client relationship management programs, generating 20% growth in customer retention rates and 12% increase in cross-selling opportunities across region.
• Led financial education campaign delivery for 25,000+ customers under regional assets under management.
• Personal Loan and Business loan reports per week to analyze job performance against team goals.

Achievements:

• Recognized as PAN India Top performer under RHS category- Personal Loans for consecutive FY 2020-2021, 2021-2022, 2022-2023.

• Managed high-performing branch of DCB BANK, overseeing daily operations, staff development, and customer relationship management to achieve ambitious growth targets.
• Spearheaded strategic initiatives that increased branch revenue by 15% year-over-year through enhanced product cross-selling and targeted customer acquisition campaigns.
• Optimized operational efficiency by implementing streamlined workflows, reducing average transaction processing time by 10% and improving branch service quality.
• Developed and coached a dedicated team of 12 banking professionals, fostering a collaborative environment that resulted in a 20% improvement in team performance metrics and a 95% employee retention rate.

• Spearheaded branch operations at ICICI Bank Ltd, driving a 30% increase in customer acquisition through targeted marketing campaigns and enhanced service delivery, while managing a team of 10 banking professionals.
• Optimized financial performance by implementing innovative cross-selling strategies, resulting in a 20% growth in asset under management and a 10% reduction in operational costs over a fiscal year.
• Delivered exceptional client service by streamlining account opening processes and resolving complex customer inquiries, leading to a 95% customer satisfaction rating and a 5% increase in repeat business.
• Managed a branch budget of $2 million, ensuring adherence to regulatory compliance and driving profitability by fostering strong relationships with high-net-worth individuals and small-to-medium enterprises.

Achievements:

• Awarded as Top performer BM in Region of 55 branches for maintaining Branch scorecard above 85% FY 2014-2015, 2015-2016, 2016-2017.
• Awarded as 5Star Player in Life Insurance Category FY2016-2017