ROSHAN CASTELINO
Mangalore
Summary
Dynamic banking leader with over 18 years of cross-sector experience at the State Bank of India (Global Fortune 500) and the Indian Air Force, specializing in corporate credit, risk governance, financial analysis, and operations management. Recognized for spearheading transformation and strategic change within complex environments, consistently delivering measurable growth, cost efficiency, and compliance excellence through process re-engineering and performance governance. Expertise in stakeholder management, financial oversight, and cross-functional leadership enables alignment of teams around shared objectives while driving execution excellence. Continuous learner and strategic thinker, passionate about harnessing data-driven insights, digital tools, and innovation to foster business transformation and organizational success.
Overview
19
19
years of professional experience
10
10
Certificates
Work History
Branch Manager / Service Manager
State Bank of India
08.2022 - 05.2024
- Led branch P&L, credit governance, compliance, and operations across retail, MSME, and corporate banking portfolios.
- Provided credit oversight and underwriting governance across secured and working capital products, enforced discipline on client due diligence, documentation standards, and policy-aligned client risk assessment.
- Reviewed and escalated credit proposals and risk exceptions to internal credit committees, supporting approval decisions.
- Directed portfolio monitoring and early-warning indicators (EWS) to sustain asset quality and risk discipline.
- Strengthened KYC/ AML/CFT procedures and regulatory compliance across 500+ customer onboarding lifecycle per year.
- Enforced discipline on client due diligence, documentation standards, ensuring consistent audit readiness.
- Managed end-to-end loan lifecycle ensuring 100% First Time Right (FTR) compliance and zero regulatory breaches.
- Built and mentored cross-functional teams, customer centricity, driving accountability and capability development.
- Acted as primary stakeholder interface with senior management, internal committees, and external stakeholders (HNIs, corporate entities, local business associations) to drive sustained pipeline and resolve escalated issues.
- Monitored branch-level budgets, expenses, and operational costs, supporting variance analysis and cost optimization initiatives.
- Mentored an 8+ member team, instilling a customer-first and agile execution mindset to enhance adaptability, ownership, accountability, and collaborative performance culture.
Team Leader – Home Loan Sales
State Bank of India
08.2020 - 07.2022
- Led sales & execution strategy at regional level, drove origination growth through structured sales process and workflow redesign, dashboards, enhancing operational efficiency and client responsiveness.
- Drove strategic engagements with MDs and promoters of real estate groups, aligning credit-compliant lending solutions and partnership terms to enable institutional tie-ups across 25+ builders and 45+ projects.
- Collaborated with credit, legal, valuation, processing and operations teams to streamline activities and operational excellence.
- Appraised home loans, builder project financing, and loans against property with rigorous financial, risk, and property assessments; validated loan documents and ensured compliance with KYC/ AML & lending standards, mitigating portfolio risk and ensuring FTR approvals with zero documentation exceptions.
- Proposed SBI Combo Loan product relaunch based on market study; prepared strategic proposal adopted at policy level, reflecting innovation-driven approach to business transformation and product development.
- Implemented MIS dashboards, analytics, and performance evaluation tools for real-time visibility into transaction pipeline, loan origination metrics, and operational KPIs.
- Prepared performance reports and business reviews for senior stakeholders.
Relationship Manager / Credit Officer
State Bank of India
11.2016 - 07.2020
- Managed multi-branch ₹50 Cr credit portfolios across retail, MSME, and corporate segments across 13 branches in region; achieved 30% portfolio growth through customer acquisition, relationship management, and cross-selling.
- Appraised and suggested credit limits for MSME, Corporates for working capital, term, asset-based loans, bank guarantee, letter of credit.
- Conducted market survey of industrial areas engaging 85 enterprises to identify financing gaps, customer needs, and growth opportunities.
- Developed and executed business roadmap for MSME growth, leading to specialized MSME branch launch that improved market penetration and business resilience in competitive ecosystem.
- Conducted client due diligence, financial analysis, cash flow assessment, and credit structuring to support lending decisions.
- Prepared credit appraisal notes and risk assessments, presenting cases to credit committees for review and approval.
- Coordinated with legal, valuation, and operations teams to ensure documentation accuracy and compliant execution.
- Monitored post-disbursement performance, negotiated underwriting terms, covenants, and early-warning indicators.
- Supported P&L management and recovery initiatives to sustain asset quality.
Aircraftsman / Leading Aircraftsman
Indian Air Force
09.2005 - 05.2009
- Executed preventive and corrective maintenance of mission-critical systems in high-risk environments.
- Ensured operational readiness through adherence to technical manuals and safety standards.
- Participated in audits, inspections, and reliability checks supporting mission assurance.
- Maintained technical documentation and compliance records for audit purposes.
- Demonstrated early leadership potential through disciplined execution and reliability.
Education
MBA - Business Management
Indian Institute of Management (IIM)
Indore03.2026
Post-Graduate Diploma - Data Science
International Institute of Information Technology (IIIT)
Bangalore03.2022
Bachelor of Computer Applications (BCA) - Computer Applications
The ICFAI University
Tripura11.2012
Skills
Operations management
Certification
Certified Credit Professional (IIBF)
Accomplishments
·
Branch Leadership: Held full P&L,
operational, and compliance accountability for a ₹400+ Cr banking
portfolio, executing strategy-led growth initiatives, KPI-driven governance,
and customer-centric processes to elevate the branch into the Top 5 tier
regionally.
·
Credit & Risk Governance: Provided
underwriting oversight and portfolio surveillance across retail, MSME, and
corporate assets, embedding early-warning frameworks and governance discipline
to sustain asset quality.
·
Growth & Origination Strategy: Drove 400%
growth in secured lending by redesigning sales funnels, improving execution
discipline, and strengthening stakeholder partnerships.
·
Operational Transformation: Delivered
67% reduction in turnaround time and productivity improvement through workflow
redesign, MIS enablement, and execution governance.
·
High-Impact Problem Solving: Executed
mission-critical operational innovations in the Indian Air Force, delivering
₹100 Cr+ cost savings and enhanced asset readiness.
·
People & Capability Building: Built,
coached, and mentored cross-functional teams across sales, credit, and
operations, fostering performance culture, compliance, and accountability.
·
Awards: SBI- Awarded ‘Top Performer’ for SME/Real Estate (Region
& Zonal Level) and recipient of the GEM Award for
excellence in Home Loan sales, a consistent high performer achieving AAA / AA
in annual appraisals.
· IAF- Recipient of the Long Service Medal, AOM Medal,
and recognized as Best Overall Trainee for technical
excellence.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Branch Manager / Service Manager
State Bank of India
08.2022 - 05.2024
Team Leader – Home Loan Sales
State Bank of India
08.2020 - 07.2022
Relationship Manager / Credit Officer
State Bank of India
11.2016 - 07.2020
Aircraftsman / Leading Aircraftsman
Indian Air Force
09.2005 - 05.2009
MBA - Business Management
Indian Institute of Management (IIM)
Post-Graduate Diploma - Data Science
International Institute of Information Technology (IIIT)
Bachelor of Computer Applications (BCA) - Computer Applications
The ICFAI University