Roshan Castelino

Senior credit professional with 18+ years of experience across regulated banking environments, specializing in credit underwriting oversight, portfolio risk governance, and credit operations excellence. Proven ability to evaluate complex credit exposures, enforce policy-aligned risk judgement, and sustain asset quality through structured appraisal, EWS, and disciplined controls. Experienced in partnering with Risk, Legal, Operations, and credit committees to enable approval-ready decisions and audit-ready execution.

Brings a governance-first mindset, analytical rigor, and leadership maturity suited for enterprise-level credit roles.

Branch Manager / Service Manager at State Bank of India (2022-08 – 2024-05)

Led branch-level credit governance and portfolio risk oversight across Retail, MSME and Corporate exposures.

• Led branch-level credit governance and portfolio risk oversight across Retail, MSME and Corporate exposures.
• 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.

Team Leader – Home Loan Sales at State Bank of India (2020-08 – 2022-07)

Delivered structured underwriting support for builder projects through financial, legal, valuation and compliance due diligence.

• Delivered structured underwriting support for builder projects through financial, legal, valuation and compliance due diligence.
• Provided risk-aligned structuring inputs and approval-ready documentation to underwriting and sanctioning teams.
• Ensured zero-exception credit execution through FTR documentation and policy-driven process discipline.
• Improved underwriting TAT through workflow standardization and MIS-based tracking mechanisms.
• Acted as interface between sourcing, underwriting, legal, valuation and operations teams.

Relationship Manager / Credit Officer at State Bank of India (2016-11 – 2020-07)

Appraised MSME and corporate credit proposals including WC, term loans and LC/BG using CMA, cash-flow and liquidity analysis.

• Appraised MSME and corporate credit proposals including WC, term loans and LC/BG using CMA, cash-flow and liquidity analysis.
• Assessed borrower risk, industry positioning and funding strategy through sensitivity analysis, covenant structuring and policy alignment.
• Managed ₹50 Cr portfolio, monitoring EWS triggers, sector risks, rating migrations and credit-material events.
• Prepared CAMs and credit notes supporting sanction, renewal and review committee decisions with clear risk and mitigant articulation.
• Coordinated with Legal, Valuation and Operations teams for compliant disbursement and post-sanction monitoring.

Corporal (Non-Commissioned Officer) at Indian Air Force (2009-06 – 2016-10)

Led mission-critical operations under stringent safety and audit frameworks, ensuring asset readiness and zero compliance deviations.

• Led mission-critical operations under stringent safety and audit frameworks, ensuring asset readiness and zero compliance deviations.
• Drove cross-functional problem solving to deliver cost savings, productivity gains and sustained operational reliability.

Aircraftsman / Leading Aircraftsman at Indian Air Force (2005-09 – 2009-05)

Executed preventive and corrective maintenance of critical systems, ensuring operational continuity under high-risk conditions.

• Executed preventive and corrective maintenance of critical systems, ensuring operational continuity under high-risk conditions.
• Maintained audit-ready documentation and compliance records, supporting inspections, reliability checks and mission assurance.

Master of Business Administration in MBA – Indian Institute of Management (IIM) (2026)

PG Diploma in Data Science in PGDDS – International Institute of Information Technology (IIIT) (2022)

Bachelor of Computer Applications in BCA – The ICFAI University (2012)