Summary
Overview
Work History
Education
Skills
TECHNICAL TOOLS
Certification
PROFESSIONAL DEVELOPMENT
Timeline
Generic
Ashish Jha

Ashish Jha

Summary

Business Analyst with 5 years of experience in Corporate Banking across relationship management, portfolio analytics, and data-driven initiatives. I collaborate closely with data scientists and data engineers to deliver impactful analytics solutions, acting as a functional SME in corporate banking. Skilled in managing critical systems like Loan Origination and Internal Rating Applications, translating regulatory and business requirements into actionable insights, and leading UAT and stakeholder collaboration. As AVP – Data Engineering & Insights at RBL Bank, I lead a team delivering analytics solutions impacting cost, revenue, risk, and compliance. I drive enterprise-scale digital transformation, cross-functional team leadership, and strategic programs aligned with business goals—optimizing delivery frameworks for on-time, on-budget execution. Passionate about leveraging AI, cloud, and automation to modernize financial services.

Overview

5
5
years of professional experience
5
5
Certification

Work History

AVP - Data Engineering and Insights

RBL Bank Ltd
11.2024 - Current
  • Designed and led the rollout of the Wholesale 360 Dashboard , empowering 300+ Relationship Managers and business heads with real-time insights into advances, liabilities, and fee income. This replaced 10+ fragmented reports, cut reporting time by 70%, improved decision-making speed by up to 50%, and freed up RM bandwidth—resulting in ₹25–50 lakh in annual productivity gains and sharper portfolio management.
  • Built a DPD Daily Monitoring Dashboard to track SMA-1 and SMA-2 accounts, significantly strengthening early risk detection and follow-up processes. With 90%+ accuracy, automated alerts, and a 60–70% faster turnaround time, it improved portfolio surveillance and ensured 100% timely regulatory reporting for 350+ credit and business users.
  • Centralized Early Warning Signal (EWS) Triggers into a unified dashboard , integrating financial, operational, and behavioral indicators. This enabled early risk categorization (Observe, Monitor, WL, AL) with 95%+ accuracy, cut manual assessment effort by 70%, and accelerated stress signal detection—empowering the EWS team to act proactively and reduce portfolio risk.
  • Implemented a comprehensive onboarding control framework for corporate clients, automating related party transaction (RPT) checks and post-onboarding monitoring. This tripled RPT detection, improved data accuracy to 95%, halved review time, and delivered real-time insights to the MIU team—ensuring 100% compliance readiness and smoother inter-team collaboration.

Portfolio Analyst - Portfolio Risk and Review

RBL Bank Ltd
11.2021 - 11.2024
  • Streamlined the Loan Origination System (LOS) used by 300+ stakeholders across credit, business, and operations, supporting ~1,000 CAMs annually. Rolled out enhancements like automated CAM inputs and seamless integration with Probe42, RAMP, and CIBIL, cutting manual effort by over 50% and significantly improving data accuracy. These changes reduced processing turnaround times by 20–30%, improved system uptime to 98%, and led to 30–40% fewer rework cycles—making the overall loan process faster, more user-friendly, and fully audit-ready.
  • Led key upgrades to the Internal Rating System in partnership with ICRA, the bank's tech team, and risk stakeholders. Successfully delivered a major model validation project (as per RBI guidelines) with Oliver Wyman, resulting in 25–40% fewer rating overrides and stronger risk segmentation. Reduced manual interventions and shortened rating cycle times by 15–20%, while also improving system stability and minimizing user complaints by 20–30%. These changes boosted model trust, audit readiness, and governance across the wholesale credit portfolio.
  • Digitized credit approval workflows by building the RBL Approval System (RAS) using OutSystems, replacing email-based approvals with a centralized platform. Achieved 100% audit compliance, reduced approval retrieval time by 80–90%, and cut turnaround time by up to 35%.
  • Developed a data-driven Target Operating Model (TOM) to track borrower compliance with underwriting standards across 100% of wholesale exposures. The tool enabled real-time monitoring, reduced manual review cycles by 40–50%, and improved governance and regulatory readiness.


Career Break

Finance Enthusiast
08.2019 - 10.2021
  • Took a planned break to focus on personal growth and career realignment.
  • Successfully cleared CFA Level 1 and FRM Level 1 , building strong foundations in financial analysis and risk management.
  • Pursued entrepreneurship by developing a revision-focused ed-tech app for competitive exam preparation.
  • Strengthened strategic and execution skills while exploring the startup landscape in the education technology space.

Management Trainee - Business Banking

HDFC Bank Ltd
10.2018 - 07.2019
  • Managed a portfolio of 50+ corporate borrowers , conducting detailed business valuation and financial health assessments to guide lending decisions.
  • Drove 10–15% growth in MSME clients by promoting market engagement and offering customized project financing and working capital solutions.
  • Collaborated cross-functionally with credit, operations, trade, and FOREX teams , leading to a 15–20% reduction in deal turnaround time and a 20–25% improvement in credit quality .
  • Ensured 100% timely financial reviews and boosted client retention through proactive relationship management and portfolio monitoring.
  • Contributed to portfolio expansion, reduced manual errors , improved risk evaluation, and helped uncover new revenue opportunities in the MSME segment .

Fifth Engineer

Fleet Management India Pvt. Ltd
08.2014 - 03.2015
  • Served in the Merchant Navy for 8 months, gaining practical experience in global maritime operations, cargo handling, and international port procedures.
  • Conducted studies on environmental impact of ship operations, ensuring full compliance with IMO and MARPOL regulations.
  • Managed inventory worth ~USD 15 million with zero discrepancies, while supporting maintenance of 50+ critical shipboard systems , helping reduce unplanned downtime.
  • Monitored daily fuel usage and emissions , contributing to a 3–5% improvement in operational efficiency .
  • Coordinated with multidisciplinary teams during 15–25 port calls , ensured accurate spare part utilization, and took part in regular safety drills and audits , achieving 100% compliance and audit readiness .
  • Developed a solid foundation in large-scale asset management, marine logistics, and environmental stewardship .

Education

PGDM - Finance

IMT Ghaziabad
Ghaziabad, India
03-2018

B.Tech - Marine Engineer

Marine Engineering And Research Institute
Kolkata, India
12-2013

Skills

  • Project Management
  • Product Management
  • Process Improvement
  • Business Process Optimization
  • Stakeholder Engagement
  • Client Management
  • Team Leadership
  • People Management
  • Cross-Functional Leadership
  • Team Building
  • Problem Solving
  • Business Requirement Gathering
  • Internal Risk Rating
  • Loan Origination System
  • SQL
  • Google Cloud Platform (GCP)

TECHNICAL TOOLS

Microsoft Teams | Google Cloud Platform (GCP) | Google Vertex AI | Google BigQuery | Jupyter Notebook | Excel | SQL | Tableau | OutSystems | CAM/LOS Platforms | Internal Rating Systems | Credpro | IMAC | Probe42

Certification

Lean Six Sigma Green Belt – KPMG | Cleared FRM Level 1 | Cleared CFA Level 1 | Google Cloud Big Data and Machine Learning Fundamentals | Google Cloud: Build Generative AI with the Vertex AI Gemini API | Google Cloud: Build Generative AI Agents with Vertex AI and Flutter | Training in Climate Risk and Transition Planning

PROFESSIONAL DEVELOPMENT

Received the “Going Extra Mile” Award at RBL Bank for leading the successful implementation of the Model Validation project in partnership with ICRA and Oliver Wyman. This initiative strengthened the bank's internal rating framework, ensured compliance with RBI regulations, and helped reduce rating overrides — reflecting a proactive approach to risk management and cross-functional collaboration.

Timeline

AVP - Data Engineering and Insights

RBL Bank Ltd
11.2024 - Current

Portfolio Analyst - Portfolio Risk and Review

RBL Bank Ltd
11.2021 - 11.2024

Career Break

Finance Enthusiast
08.2019 - 10.2021

Management Trainee - Business Banking

HDFC Bank Ltd
10.2018 - 07.2019

Fifth Engineer

Fleet Management India Pvt. Ltd
08.2014 - 03.2015

PGDM - Finance

IMT Ghaziabad

B.Tech - Marine Engineer

Marine Engineering And Research Institute

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Ashish Jha