Summary
Overview
Work History
Education
Skills
Certification
Awards
Timeline
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ADITI A KHANOLKAR

Seasoned Banking Professional | Credit Risk, Compliance, and Tech-Driven Solutions
Navi Mumbai

Summary

Seasoned and Strategic Banking Leader | 17+ Years of Excellence in Credit, Risk, and Operational Leadership

Dynamic and results-oriented banking professional with over 17 years of diverse experience spanning Retail and Corporate Banking, Credit Risk Management, Compliance, and Technology Enablement. Proven ability to drive performance, strengthen controls, and align banking operations with strategic business goals.

Demonstrated success in leading end-to-end credit operations — from underwriting and portfolio monitoring to delinquency management and stressed asset resolution. Deep expertise in assessing creditworthiness, analyzing financials, and implementing risk-optimized lending strategies that protect asset quality while supporting growth.

A recognized authority in Credit Risk Monitoring, having designed and implemented robust frameworks aligned with RBI guidelines and internal governance standards. Adept at identifying Early Warning Signals (EWS), managing SMA/NPA exposures, and executing timely corrective action plans to mitigate portfolio risks.

Champion of digital innovation in banking. Spearheaded transformation initiatives in collaboration with IT teams, leading the rollout of mission-critical tools including Business Dashboards, CRM platforms, and credit monitoring systems — resulting in enhanced process transparency, control, and efficiency.

Well-versed in regulatory compliance and audit management, with a track record of successfully navigating RBI inspections, statutory reporting, and audit closure across multiple layers of oversight. Trusted advisor to senior leadership for risk reporting, stress testing, and policy implementation.

Known for a forward-thinking approach, strategic insight, and collaborative leadership style. Strong communicator and stakeholder manager with a sharp focus on continuous improvement, customer centricity, and sustainable performance in a fast-evolving banking landscape.

Overview

17
17
years of professional experience
3
3
Certifications

Work History

Branch Manager

Rbl Bank
Mumbai (Thane)
11.2024 - Current
  • Consistently ranked among the Top Branch Managers nationally for business performance.
  • Monitored branch performance metrics (CASA growth, cross-sell ratios, customer retention), consistently exceeding targets.
  • Spearhead end-to-end operations of a high-volume branch, ensuring regulatory compliance, operational excellence, and service delivery.
  • Deeply involved in SME, Retail, and Priority Banking portfolios; identify and tap into high-potential markets.
  • Successfully turned around an underperforming branch within 6 months through focused team restructuring and business reengineering.
  • Honored with the Excellence in Leadership Award for exceptional contribution to regional business goals.

Manager (Service Relationship Manager)

IDBI Bank, Ltd.
Pune
08.2022 - 10.2024
  • Credit Assessment & Underwriting:
    Conducted in-depth credit appraisals, including financial ratio analysis, cash flow evaluation, and risk profiling for corporate clients. Prepared detailed Credit Monitoring Arrangement (CMA) reports and credit proposals for Working Capital and Term Loan facilities, ensuring alignment with the bank's credit policy and regulatory frameworks.
  • Credit Monitoring & MIS Reporting:
    Oversaw the preparation and submission of periodic reports under the Strategic Asset Growth and Asset Quality (SAGAJ) framework. Ensured robust credit monitoring through regular compliance checks, covenants tracking, and exception reporting to senior management. Ensured timely reporting and proactive flagging of Early Warning Signals (EWS) to mitigate potential default risks.
  • Due Diligence & Risk Mitigation:
    Conducted comprehensive due diligence using both internal and external data sources. Evaluated borrower performance, industry developments, and potential credit risks. Developed strategies for recovery, restructuring, or risk containment for underperforming assets.
  • Regulatory & Compliance Oversight:
    Ensured strict adherence to internal and regulatory compliance requirements, including submission of Central Fraud Registry reports, Statutory Compliance Certificates, and Branch Head Compliance reports. Successfully closed audit findings across LFAR, Statutory, Credit, Internal, and Concurrent audits within stipulated timelines.
  • Operational Leadership & Systems Implementation:
    Led branch operations including liability business management, KYC compliance, account opening processing, and documentation. Ensured minimal rejection rates through process efficiency. Spearheaded implementation of system-level changes for sanction terms, stock updates, FX reports, and remittance transactions.
  • SMA Account Management:
    Regularly evaluated Special Mention Accounts (SMA) and worked with clients to ensure timely regularization. Initiated corrective actions for accounts showing signs of stress.
  • Team Leadership & Performance Management:
    Supervised and mentored branch staff, conducted monthly performance reviews, and liaised with HR for appraisal submissions. Played a key role in building a high-performance team focused on customer service, compliance, and operational efficiency.
  • Sales & Relationship Management:
    Achieved branch sales and service targets through acquisition of new clients and cross-selling of banking products. Built and maintained long-term client relationships contributing to sustained business growth.

Manager (Credit Monitoring & Compliance)

IDBI Bank
Mumbai
10.2020 - 07.2022
  • Monitored collation and submission of all the RBI related compliances (RBI - RBS Tranche -I, Tranche-II, Tranche-III, DCT – 814,) Revert to observation of PRAR and RAR report, Submission of reports to Board, Compliance Dept
  • Conducted regular reviews of SOC (Statement of Compliance) for Corporate Banking to ensure adherence to compliance and risk management standards
  • Steered monitoring and maintenance of limit nodes in system as per sanction terms and conditions
  • Monitored Early Warning Signals and provided comprehensive reports to the Risk Assessment Committee (RFA); developed strategies to address emerging risks and proactively managed potential issues
  • Provided strategic leadership to align credit monitoring, IT projects, and reporting with the organization's long-term objectives
  • Leveraged various tools such as SAJAG reports, LFAR (Long Form Audit Report), Audit reports, CORE (Credit Operational Risk Evaluation), and OMS (Operational Management System) alerts to ensure compliance with regulatory and internal guidelines
  • Supervised corporate portfolio for signs of stress, including FTNPA (Full-Time Net Performing Assets), SMA (Special Mention Accounts
  • Managed submission of progress with respect to fraud cases amounting to Rs 1 Crore & above to Fraud Monitoring Group (FMG)
  • Ensured the timely and accurate submission of updated compliance reports for various audit types, with a focus on internal, concurrent, and credit audits
  • Led the digitalization efforts by collaborating with the Tech team to automate various monitoring tools from raising BRS till the application is live
  • Ensured the seamless operation of the specified software systems through effective collaboration with the Tech Team and vendors
  • Prepared Performance Review presentation of the vertical for stakeholder reviews
  • Administered credit monitoring process across 22 branches and provided strategic guidance for risk management
  • Monitored NPA accounts and reported their status; kept a close watch on borrowers with exposures exceeding Rs. 1500 crores
  • Spearheaded the development of the EDW, which served as a central repository for business performance data
  • Led the creation process of the ACRES to manage approvals in accordance with the Department of Personnel (DOP) guidelines
  • Played a pivotal role in the creation of the CBDM; designed for monthly and quarterly reporting
  • Delivered the I TOUCH CRM, which revolutionized customer relationship management

Various Positions

IDBI Bank
Mumbai
06.2008 - 09.2020
  • Growth Path: June 2008- May 2016 as Personal Banking Officer (Nariman Point, Khar & Chembur)
  • May 2016- June 2019 as Credit Operations Officer (Belapur/Andheri)
  • July 2019- Sept 2020 as UAT Tester for System Migration (Belapur)
  • Spearheaded the transition of Bank's Mid and Large Corporate group from Fin7x to Fin10x in Jan’20
  • Explored Infosys Finacle 10x functionality and initiated over 1000 customization requests, leveraging expertise to align business needs with technical and functional capabilities
  • Acted as a Training Specialist, conducting training sessions for staff on products, services, and new initiatives to enhance operational efficiency and effectiveness

Education

B.Com. -

Vivekanand Education Society
Mumbai
01.2006 - 01.2008

Post Graduate Diploma in Management Studies - Marketing

Guru Nanak Institute of Management Studies
Mumbai

No Degree -

NIBM
Pune, India
04.2001 -

Skills

  • Credit monitoring expertise

  • Risk assessment and audits

  • Regulatory/ Statutory Compliance

  • MIS Reporting/ Documentation

  • Subject Matter Expertise

  • Financial analysis expertise

  • Digital transformation expertise

  • Team Management & Leadership

  • Effective communicator

  • Effective collaborator

  • Strategic thinker

  • Transformation advocate

  • Strategic planner

Certification

Certification in Effective Credit Monitoring of Corporate and SME Advances, 01/01/23

Awards

  • Achieved top-ranking status as a Relationship Manager
  • Recognized for development of a Business Dashboard, ACRES Software, CRM Module, CBDM Module, and successful NCD reconciliation

Timeline

Branch Manager

Rbl Bank
11.2024 - Current

Manager (Service Relationship Manager)

IDBI Bank, Ltd.
08.2022 - 10.2024

Manager (Credit Monitoring & Compliance)

IDBI Bank
10.2020 - 07.2022

Various Positions

IDBI Bank
06.2008 - 09.2020

B.Com. -

Vivekanand Education Society
01.2006 - 01.2008

No Degree -

NIBM
04.2001 -

Post Graduate Diploma in Management Studies - Marketing

Guru Nanak Institute of Management Studies

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ADITI A KHANOLKARSeasoned Banking Professional | Credit Risk, Compliance, and Tech-Driven Solutions