Summary
Overview
Work History
Education
Skills
Certification
Timeline
ACHIEVEMENTS & EXTRA CURRICULAR ACTIVITIES
Disclaimer
SUMMER INTERNSHIP
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KHOLA JYOTHI RATHOD

KHOLA JYOTHI RATHOD

Hyderbad

Summary

MBA alumnus from IIM Nagpur with experience in credit risk assessment, operations management, and process optimization. Skilled in financial analysis, data-driven analytics, team leadership, and workflow automation. Adept at delivering strategic insights and scalable solutions for business growth and operational efficiency.

Overview

3
3
years of professional experience
1
1
Certification

Work History

CREDIT AND OPERATIONS MANAGER

IDBI Bank
06.2025 - Current
  • Led strategic risk assessment and financial analysis for a retail loan portfolio, applying quantitative models and regulatory frameworks to enhance decision-making, strengthen compliance, and improve credit quality.
  • Managed and mentored a 30-member cross-functional team across sales, credit, and operations, streamlining workflows to improve organizational efficiency and establish scalable governance standards.
  • Executed due diligence on 20+ borrower cases monthly, detecting and preventing fraudulent documentation worth ₹2 Cr+, thereby safeguarding portfolio resilience and reducing default exposure.
  • Optimized core operations through process re-engineering, developing Excel-based tools and automated checklists that reduced loan processing turnaround time (TAT) by 25% and eliminated operational bottlenecks.
  • Mastered the CBS platform FINACLE to execute operations. showcasing expertise in financial software
  • Developed and deployed data-driven decision-support tools (financial models, MIS dashboards), enabling leadership to monitor portfolios in real-time and accelerate strategic planning.

SWO-A, CLERK

Central Bank of India
05.2022 - 06.2023
  • Championed government scheme marketing, earning top branch recognition among 49 in Hyderabad
  • Executed strategic initiatives resulting in a 70% boost in profitability and a 20% expansion in assets
  • Fostered strong relations with 50+ premium clients, serving as primary contact for banking needs
  • Generated 20% of the branch's total fee income through strategic sales of many third-party product
  • Mastered the CBS platform BANCS to execute operations, showcasing expertise in financial software
  • Managed the Profit and Loss account, with a team of five, ensuring strong financial performance
  • Safeguarded bank valuables with strict treasury-led protocols, ensuring secure protection of assets
  • Leveraged Excel to analyze data inconsistencies of 5000+ customers, improving efficiency
  • Effectively managed non-performing assets of the bank customers and reduced them by 20%
  • Administered offsite monitoring to ensure compliance and risk management, reporting fraud
  • Orchestrated and analyzed 200+ daily transactions, ensuring precision and efficiency
  • Leveraged communication skills for attracting high-net-worth clients in affluent areas of Hyderabad.

Education

MBA -

Indian Institute of Management Nagpur
05-2025

Skills

  • Problem-solving
  • Decision-making
  • Risk assessments
  • Credit analysis
  • Policy implementation
  • Risk analysis
  • Credit scoring
  • Risk mitigation
  • Regulatory compliance
  • Credit risk management
  • Credit evaluations
  • Underwriting expertise

Certification

  • Python for Data Applications Specialisation: Gained proficiency in Python, mastering data structures and effectively handling diverse data formats. Developed expertise in web scraping and API integration, enabling data extraction from online sources. Acquired strong foundation in database management and visualizations, enabling data-driven decisions. Aug 2024
  • Certified Business Analyst: Certified Business Analyst (CBA) from Phoenix Global, highlighting expertise in strategic analysis. Practical expertise using visualisation tools such as Tableau and Business Intelligence (BI) software. Created real-time analytics dashboard for live business metric visualisation using provided data. Jul 2023
  • Certified Management Consultant: Certified in management consulting and leadership by Skilled Sapiens, showcasing strong strategic skills. Proficient in MECE framework, market-entry, pricing strategy and cost analysis. Demonstrated expertise in Go-To-Market Strategy, industry analysis, and acquisitions analysis. Oct 2023
  • KPMG Lean Six Sigma Green Belt: Mastered DMAIC and DMADV approaches to improve process efficiency and reduce material wastage. Utilized LSS concepts like ANOVA, CAPA, and CTQ to analyze industry cases during KPMG training. Aug 2024
  • Certified Mutual Fund Distributor: Certified as an analyst and mutual fund distributor under SEBI regulations, 2007. Learnt basic of Equity, Debt, Valuation, Investment Risks, Risk Mitigation. Licensed by the Association of Mutual Fund in India (AMFI) as PAN India marketer of mutual funds. Dec 2023

Timeline

CREDIT AND OPERATIONS MANAGER

IDBI Bank
06.2025 - Current

SWO-A, CLERK

Central Bank of India
05.2022 - 06.2023

MBA -

Indian Institute of Management Nagpur

ACHIEVEMENTS & EXTRA CURRICULAR ACTIVITIES

Extra Curricular Activities: Selected as SWO-A at the Central Bank of India by clearing the IBPS exam among 6.59 lakh aspirants. Participated in a flashmob organised by the college at a National Level Technical Fest during my graduation. Played an integral role in achieving cost-effective, visually appealing decor for IIM Nagpur's Tangerine Trails Fest.

Disclaimer

This is to certify that Mrs. Khola Jyothi Rathod, Employee No: 138746 had resigned from the bank and accordingly, she has been relieved from Bank's service on 12/06/2023 after putting in 1 year of service in the bank. At the time of her relieving after acceptance of her resignation, she was working in the bank as SWO-A. Place: Hyderabad Date: 2023-06-12

SUMMER INTERNSHIP

  • Saadaa: Identified key high streets nationwide for store expansion as part of their new market entry strategy. Developed an incentive system, Jeevan Safal Bheema, to foster excellence in staff performance. Enhanced offline branding by analysing emerging trends and contributing new marketing strategies. Conducted market analysis by scrutinising offline stores, collecting data, and preparing a report. Developed a team wiki on the project management tool Notion for Effective Management. Formulated SOPs for stock audits, Reporting and Sales strategies, and operations management. Created a comprehensive checklist for daily store operations for seamless ERP software integration.
  • Dates: Apr 2024 - May 2024

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