Mayur Ashok Kumbhoje
Regional Head - Retail Assets
Sangli
Summary
Accomplished Banking Leader with 17 + years of experience in Retail Banking, Branch Management, Retail Assets, and Business Development. Demonstrated success in driving asset growth, expanding market share, managing large customer portfolios, and leading high-performance sales teams. Expertise in retail lending, liability business, credit underwriting, portfolio quality management, and customer-centric relationship management. Skilled in developing growth strategies, strengthening operational excellence, ensuring compliance, and delivering sustainable business performance. Recognized for strong leadership, stakeholder management, and consistent achievement of business goals across diverse banking environments.
Overview
3
3
Languages
17
17
years of professional experience
Work History
Regional Head – Retail Assets
ICICI Bank
12.2022 - Current
- Lead regional business development and portfolio management for Mortgage Loans, Personal Loans, Auto Loans, and Credit Cards
- Drive sales growth, customer acquisition, portfolio quality, and profitability across the region
- Manage branch coordination, workforce productivity, and performance optimization initiatives
- Ensure regulatory compliance and effective risk management practices
Branch Manager
ICICI Bank
04.2014 - 12.2022
- Managed end-to-end branch operations including liabilities, assets, service delivery, and compliance
- Achieved business targets through CASA growth, loan sales, deposits, insurance, and TASC acquisition
- Led branch staff including Relationship Managers, Customer Service Officers, and Operations teams
- Ensured operational excellence, cash management, ATM reconciliation, and audit compliance
Personal Banker – Operations
RBL Bank
02.2012 - 09.2013
- Managed retail liabilities, branch operations, cash handling, and customer service functions
- Conducted KYC verification, compliance reviews, and internal audit support activities
- Supervised ATM operations and branch cash inventory management
- Delivered high-quality customer support and service resolution
Relationship Officer
RAKBANK, UAE
02.2011 - 01.2012
- Achieved personal loan sales targets through effective lead generation and customer acquisition
- Evaluated customer applications and ensured documentation accuracy for credit approvals
- Built long-term customer relationships through need-based financial solutions
- Supported portfolio management and post-disbursement servicing activities
Customer Manager
Mahindra Finance
04.2009 - 02.2011
- Generated business through personal loan sales and customer acquisition initiatives
- Assessed loan applications and maintained documentation compliance standards
- Managed customer relationships and service delivery throughout the loan lifecycle
- Supported portfolio monitoring and collection coordination activities
Education
MBA – Marketing - Banking Specialisation
ICFAI University
01-2010
Bachelor of Business Administration - BBA
Shivaji University
01-2008
Skills
Regional Sales Leadership
Retail Branch Banking
Liability & Asset Business Growth
HNI Relationship Management
Retail Lending
Mortgage Loans
Personal Loans
Auto Loans
Credit Cards
CASA Acquisition
Team Leadership & Coaching
Branch Operations
Cross-Selling Strategy
Wealth Management
Business Development
Regulatory Compliance
Retail Banking
Branch Management
Retail Assets
Liability Products
CASA Growth
Mortgage Loans
Personal Loans
Auto Loans
Credit Cards
Wealth Management
Insurance Sales
Portfolio Management
Sales Strategy
Business Development
Risk Management
Compliance
Customer Relationship Management
Team Leadership
KEY ACHIEVEMENTS
Successfully progressed through multiple leadership roles across leading banking institutions
Timeline
Regional Head – Retail Assets
ICICI Bank
12.2022 - Current
Branch Manager
ICICI Bank
04.2014 - 12.2022
Personal Banker – Operations
RBL Bank
02.2012 - 09.2013
Relationship Officer
RAKBANK, UAE
02.2011 - 01.2012
Customer Manager
Mahindra Finance
04.2009 - 02.2011
Bachelor of Business Administration - BBA
Shivaji University
MBA – Marketing - Banking Specialisation
ICFAI University