Gaurav Malik

About Gaurav Malik

I am passionate about creating Performance driven and responsible Teams. I have demonstrated resource optimisation, critical thinking and problem-solving skills while managing the mortgage and commercial lending business at Citibank. My entrepreneurial thoughts have helped me building a brand for myself. I believe in understanding customer business and peeling off the hidden risks, making it visible to the stakeholders while making key lending decisions.My past experiences working with HDFC Bank and Citibank, where I worked as a Relationship manager for Car Loans and Regional Manager for Mortgages and Commercial Loans have helped me develop skills to manage both internal and external stakeholders. Working in multiple financial services products, I value the importance of operational efficiencies in increasing Bank\'s profitability and achieving risk-adjusted returns. I developed new channels for generating Mortgage business, built new developer relationships and also increased the business from existing channels. Have focused on Target setting, marketing activities and sales incentive planning for the Team members. Also demonstrated my financial analytical skills in developing Financial reports and Credit appraisal Memos. Have handled and resolved customer escalations to ensure customer satisfaction and delight.Managed Change management project on Mortgage Lean Process, which involved Process re-engineering and resulted in increased business through optimal utilisation of resources.Specialities - Knowledge: Mortgages, Home Loans, Home equity, Line of Credit, Overdrafts, Auto Loans, Credit cards, insurance, wealth management and investment products.

Experience

1. Business Head - Business Loans

   Godrej Capital

   Jun 2022 — Present · Mumbai, IN

   Building profitable unsecured MSME lending business, with one of the most respectable & loved brands in India.

Education

• University Business School, Panjab University

  Master of Business Administration - MBA, Marketing

  2002 — 2004

• AGSM @ UNSW Business School

  Master of Business Administration (MBA), Strategy and Finance

  2016 — 2016

• AGSM @ UNSW Business School

  Master of Business Administration - MBA, Strategy and Finance

• DR K N MODI INSTITUTE OF PHARMACEUTICAL EDUCATION AND RESEARCH, GHAZIABAD

  Bachelor of Pharmacy - BPharm, Pharmaceutical Sciences

  1997 — 2001

• National University of Singapore

  Master of Business Administration (MBA), Finance & Strategy

  2017 — 2017

Skills

• Retail Banking
• Finance
• Banking
• Business
• Risk Management
• Team Management
• Management
• Business Strategy
• Business Relationship Management
• Retail
• Customer Relations
• Relationship Management
• Mortgage Lending
• Business Development
• Cross Selling
• Strategy
• Vendor Management
• Change Management
• Team Problem Solving