ROHIT GUPTA
Kolkata
Summary
Detail-oriented Head of Retail Operations specializing in Forex Accounting, Risk & Compliance, and Credit Operations within Retail Banking. Achieved significant improvements in risk management and regulatory reporting standards through the implementation of Risk Data Aggregation and Reporting framework, overseeing a portfolio valued at Rs 23000 Cr across 255 branches. Focused on enhancing operational efficiency and NPA management while delivering insightful data analysis to support executive decision-making.
Overview
3
3
Languages
1
1
Certification
21
21
years of professional experience
Work History
CM (Agri, Retail & GSS)
State Bank of India
Kolkata
06.2025 - Current
- Managed agriculture retail, real estate, and government-sponsored scheme portfolios across 255 branches under supervision with a portfolio size of Rs 23000 Cr as on 31.03.2026
- Developed and managed budgets for multiple business heads across administrative office and controlled regions, ensuring alignment with financial goals.
- Daily data mining and MIS preparation and reporting to various stakeholders to keep a tab on Budget performance and achievement
- Collaborated with cross-functional teams to achieve project objectives and address operational challenges, fostering effective communication.
- Utilized software and tools to streamline workflows and enhance overall performance across teams.
- Applied technical skills to diagnose complex problems and deliver effective fixes.
- Supported colleagues with guidance to maintain a collaborative work environment.
- Kept current through continuing education and advanced training.
- Worked with diverse coworkers to complete goals and address product and service concerns.
Head-Branch Operations
State Bank of India
Kolkata
01.2022 - 06.2025
- Trained, coached, and motivated branch staff to improve performance.
- Identified improvement areas and recommended corrective actions for P-segment portfolio management across assets and liabilities.
- Built relationships with automobile dealers and real estate developers to strengthen branch and bank presence.
- Processed and documented over 50 automobile loans monthly, ensuring compliance and coordinating with processing and documentation teams.
- Assisted with sourcing, mobilization, appraisal, sanction, and portfolio handling for real estate proposals.
- Reviewed local market conditions and identified current and future sales opportunities.
- Tracked competitive markets and reported on market movement and penetration to inform strategic decisions.
- Followed ethical standards and complied with all applicable regulations and laws.
Chief Risk Officer
State Bank of India
Johannesburg
01.2018 - 01.2021
- Drive a risk culture and enhance the risk management framework of the bank that made possible early detection of adverse risk trends in both liquidity and operational risks.
- Oversaw and enhanced reporting for South African Bank Act returns related to liquidity and other prudential ratios (LCR and NSFR) to ensure compliance and informed decision-making.
- Successfully implemented 11 principles of BCBS 239 (Risk Data Aggregation and Risk Reporting) (BASEL) at SBI South Africa by effectively liaising with various stakeholders to present accurate data-driven risk picture to senior management to aid in key decision making.
- Assayed key role in implementing comprehensive RDARR framework document along with new developments in risk reports and modifications in existing reports and processes to meet the BCBS 239 standards.
- Responsible for reviewing, maintaining and conducting Annual Risk and Control Self-Assessment (RCSA) exercise and relevant registers.
- Led and ensured implementation of strategies that conform to the risk appetite and levels of exposure as approved by the Board
- Promoted risk management culture through risk awareness campaigns and training programs, fostering greater organizational understanding of risk principles.
- Monitored, assessed, and reported on enterprise-wide risk events and losses to provide timely insights for risk mitigation strategies.
- Facilitated the implementation of the Internal Capital Adequacy Assessment Process (ICAAP) and submission to the Prudential Authority
- Designed and implemented the anti-fraud and corruption strategy for the organization.
- Led the implementation of the BCP and DR plan for the bank and its periodic review.
- Actively contributed to the Executive Management Committee (EXCO), Assets and Liabilities Committee, Information Technology Committee, and Branch Management Committee.
Manager Balance Sheet Management/System & Procedure
State Bank of India
Kolkata
01.2015 - 01.2018
- Prepared and published reports and presentations, including Daily Forex Profit and Loss, Bank Quarterly results, and various return reports, providing analysis and validation for top management, stakeholders, and corporate headquarters.
- Monitored and reported liquidity risk parameters, including net overnight open position (NOOP), individual gap limits (IGL), and aggregate gap limits (AGL) for domestic and foreign offices of IBG, MRMD, and RBI.
- Reported trigger level / breaches to MRMD and Bank's board as per laid down Market Risk policy
- Consolidation of Bank level AGL, IGL, NOOP and Value at Risk (VaR) limits.
- Submitted GAP POSITION & BALANCES (GPB) return to Reserve Bank of India daily (T +1).
- Coordinated and conducted quarterly statutory audits, ensuring compliance with regulatory standards.
- Developed and reviewed various standard operating procedures (SOP) for different processes in the department
- Prepared and submitted reports
- - Foreign contribution regulation Act return to the Ministry of Home Affairs, Government of India.
- - International Banking Statistics return consolidating the position of NOSTRO and Derivative balances to the RBI on a quarterly basis
- Facilitated the setup of new accounting for products and processes with approvals from OP & SP, FRT, and Weekly departments of corporate center.
Deputy Manager (Loan Processing Cell)
State Bank of India
01.2013 - 01.2015
- Engaged in processing high value proposals above Rs. 1 cr. and up to Rs. 5 cr. to Regional Credit committee
- Monitored Non-Performing Assets (NPA) across 42 branches to mitigate credit risk from non-payment in SME, car, housing, and personal loan portfolios.
- Renewed credit proposals across 42 branches to secure ongoing funding.
- Coordinated and supported completion of Risk Focused Internal Audit (RFIA) to ensure compliance.
Probationary Officer
State Bank of India
01.2011 - 01.2013
- Supported branch operations during probation through postings across multiple locations in Odisha, enhancing understanding of home loans, SME centres, and forex banking.
- Gained exposure across banking functions by working in rural, semi-urban, and urban locations, including Bhubaneswar, Anandapur, Cuttack, Balasore, Bhadrak, and Keonjhar.
- Collaborated with team members to complete project tasks efficiently and meet deadlines.
- Assisted colleagues to maintain smooth coordination and a positive work environment.
IT Analyst
TATA Consultancy Services
Chennai, Kolkata, Bhubaneswar
01.2006 - 01.2010
- Led EDI operations for major US aluminum company using Gentrans and Tibco integration tools
- Successful implementation of the EDI project in a Facilitated round-the-clock operations to ensure global coverage.
- 7 model covering various geographies from Australia to the North America.
- Developed COBOL modules for major UK insurance provider
- Proof of Concept (POC) and development of the IT system of a large university at Riyadh using SOA 11g BPM suite (Middleware)
Education
Bachelor of Engineering -
Computer Science & Engineering – Orissa Engineering College
Bhubaneswar, India01-2006
Skills
- Compliance and risk management
- Risk assessment
- Credit operations
- Credit appraisal
- Data management
- Corporate reporting
- Back office operations
- Branch operations
- Liaison coordination
- Strategic planning
- Financial modeling
- Collaboration skills
- Communication skills
- Team collaboration
- Cultural competence
Personal Information
Title: Senior Leadership Role – Risk & Compliance | Forex Accounting | Foreign Operations |Credit Functions | Branch Operations-Retail
Certification
- Certified Associate of IIB & F (CAIIB), 2012, Risk Management, Indian Institute of Banking & Finance, Mumbai
- Certified Treasury Professional (IIB & F), 2018, Forex Dealing, Money Market Operations, & Financial Markets & Role of Treasury, Indian Institute of Banking & Finance, Mumbai
- RE1 & RE5, 2019, Market Conduct Regulations, Financial Sector Conduct Authority, South Africa (FSCA)
- Certified Financial Crime Specialist, 2018, Association of Certified Financial Crime Specialists (ACFCS)
- Certified Treasury Professional, 2018, Forex Dealing, Money Market Operations, & Financial Markets & Role of Treasury, Indian Institute of Banking & Finance, Mumbai (IIB & F)
- Certificate in Back Office Operations, 2017, Forex Back Office, Mid-office, and Dealing Room Functions, National Institute of Bank Management (NIBM), Pune
- Certificate in Ethics in BAnking from Indian Institute of Banking & Finance, Mumbai (IIB & F), 2026
- Certificate in Strategic Management & Innovations in Banking from Indian Institute of Banking & Finance, Mumbai (IIB & F),2026
Languages
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Bengali
Elementary (A2)
A2
Accomplishments
- Top Performer Award by GM, Global Markets in 2018 for successful Forex Balance sheet Merger
Timeline
CM (Agri, Retail & GSS)
State Bank of India
06.2025 - Current
Head-Branch Operations
State Bank of India
01.2022 - 06.2025
Chief Risk Officer
State Bank of India
01.2018 - 01.2021
Manager Balance Sheet Management/System & Procedure
State Bank of India
01.2015 - 01.2018
Deputy Manager (Loan Processing Cell)
State Bank of India
01.2013 - 01.2015
Probationary Officer
State Bank of India
01.2011 - 01.2013
IT Analyst
TATA Consultancy Services
01.2006 - 01.2010
Bachelor of Engineering -
Computer Science & Engineering – Orissa Engineering College