Gaurav Kumar

About Gaurav Kumar

Sales & Marketing professional with experience in consumer goods, modern retail and a brief stint in IT.Specialities: Consumer insights, channel and category management, team management.

Experience

1. Head - Process, Tech Interface and Customer Experience for Retail Assets

   ICICI Bank

   Jan 2025 — Present · Mumbai, IN

   Leading a cross-product team in retail assets to design product-agnostic, customer centric loan products and workflows with focus on best-in-class customer experience- Product and policy: Reimagined policy design to maximise common elements across products (income assessment and leverage calculations) to establish a unified business rule engine based on customer profile giving multi-product offerings to customers - Workflow: Establish need and risk based information collection, preferably through digital fetch, capitalizing on existing customer information using income computation models to arrive at loan eligibility - Pre Approved opportunity: leverage existing bank customer pool to expand Pre-approved loan data base and track opportunity through 360 degree awareness campaigns focused on distribution channels (voice and branches) and customers (through mobile banking adoption and PA visibility on app)- Digital Partnerships: enabling systems and rule engines to offer deep integration with hop-on/hop-off workflows and offer discoveries resulting in minimal human touch journeys for partners/builders/OEMs- Risk Based Pricing: risk assesment based pricing model development coupled with in-app visibility of risk markers for on-the-go price discovery- Cost Optimization: periodic process workflow reviews to achieve opex cost optimization through reduced redundancy, digital automations and developing in-house solutions for vendor based services- Customer Experience: continuous focus on digital adoption and need based risk assesment to expand straight through applications with zero human touch to provide seamless experience to target customer segments

Education

• St Dominic Savio College

  ISC, ICSE (Topper in Computer Science in ICSE)

  1993 — 2003

• Faculty of Management Studies - University of Delhi

  Master of Business Administration (MBA), Marketing/Marketing Management, General

  2011 — 2013

• Institute of Engineering and Technology

  Bachelor of Technology (BTech), Electrical, Electronics and Communications Engineering

  2004 — 2008

• Aix-Marseille Graduate School of Management - IAE

  Summer Business Program, Seminar, Business at Intersection, Cross Cultural Management

  2012 — 2012

Skills

• Marketing Strategy
• Pl/Sql
• Team Management
• Requirements Analysis
• Cross-Functional Coordination
• Managing Key Accounts
• Negotiation
• Driving Results
• Digital Marketing
• Supply Chain
• Unix
• Social Media Marketing
• Decision Making
• Java
• C
• Social Responsibility
• Category Management
• Core Java
• IT Management
• Managing Distribution Channels
• Analytical Skills