Roshan Castelino

Driven, transformation-focused Banking Domain Consultant and Leader with over 20 years of cross-sector leadership experience spanning core banking consulting, premier corporate/retail banking (State Bank of India), and mission-critical operations (Indian Air Force). Features 7.5+ years of dedicated experience within Banking & Financial Services (BFSI) specializing in program governance, operating model design, credit risk framework engineering, and core banking platform transformations. Recognized for a distinctive ability to simplify highly complex, unstructured business processes into standardized, scalable operating models, governance frameworks, and reusable knowledge assets.

Experienced in leading PMO structures, performing system/functional assessments (RFP & BPD reviews), and driving large-scale digital enablement. A strategic partner to executive leadership who excels at navigating high-stakes regulatory environments, engineering early-warning compliance systems, and building robust, data-driven organizational capabilities.

Senior Consultant – Finacle Consulting - Infosys

(2026-04)

• Serve as a core banking domain expert, orchestrating high-value functional structures and transformation roadmaps for complex global and domestic banking engagements.
• Establish and manage robust PMO frameworks to govern large-scale banking platform transformations; define standardized structures for risk tracking, program milestones, and execution accountability.
• Champion Core Banking transformation initiatives by designing a highly configurable "Reference Bank" model, enabling standardized, accelerated, and repeatable implementation across target institutions.
• Audit and reconcile legacy banking functions against target architectures; meticulously review, track, and align historical data structures, Request for Proposal (RFP) documentation, and Business Process Definition (BPD) assets.
• Direct process standardization, target operating model alignment, and technology transformation playbooks specifically tailored for Urban Cooperative Banks (UCBs).
• Create and distribute high-impact project enablement templates, including execution playbooks, risk mitigation registers, stakeholder communication matrices, and visual performance dashboards to ensure project delivery assurance.
• Partner with cross-functional leadership, client-side executive teams, and development units to align system capabilities with overarching business objectives.

Branch Manager / Service Manager - State Bank of India (Global Fortune 500)

(2022-08 - 2024-05)

• Commanded full P&L, risk governance, and compliance operations for a ₹400+ Cr banking portfolio, transforming branch performance to rank within the regional Top 5 tier.
• Re-engineered and simplified complex Standard Operating Procedures (SOPs) into structured, step-by-step frontline execution playbooks, dramatically reducing operational ambiguity and boosting staff performance.
• Designed comprehensive governance dashboards and KPI-driven performance monitoring frameworks, giving leadership real-time visibility and driving agile decision-making across retail, MSME, and corporate banking units.
• Provided underwriting oversight and credit portfolio surveillance; embedded rigorous Early Warning Signal (EWS) monitoring models and Client Due Diligence (SDD/CDD/EDD) procedures to sustain pristine asset quality.
• Supervised the onboarding lifecycle for 500+ clients annually, securing 100% First-Time-Right (FTR) loan documentation compliance and maintaining a zero-regulatory-breach track record across internal/external audits.
• Managed primary relationships with senior executives, regional credit committees, and corporate clients; coached and mentored an 8+ member team to foster an agile, customer-centric execution culture.

Team Leader – Home Loan Sales - State Bank of India (Global Fortune 500)

(2020-08 - 2022-07)

• Engineered the end-to-end regional secured lending operating model by standardizing workflow processes and underwriting gates, accelerating secured lending growth by 400%.
• Authored and institutionalized reusable decision-support assets, including customized credit eligibility sheets, Go/No-Go matrices, structured appraisal templates, and pipeline trackers utilized across multiple regional branches.
• Structured and standardized requirement templates that seamlessly integrated business origination, risk underwriting, and audit perspectives, cutting turnaround times (TAT) by 67% and securing zero-exception approvals.
• Facilitated high-level strategic engagements with real estate promoters and developers to align policy-compliant lending solutions, establishing institutional tie-ups for 25+ major developers and 45+ housing projects.
• Designed a comprehensive strategy proposal and market-needs analysis for relaunching the SBI Combo Loan product, which was adopted directly at the national policy level to enhance market competitiveness.
• Programmed real-time MIS dashboards and transaction pipelines that enabled regional leadership to monitor operational bottlenecks, pipeline leaks, and business development KPIs.

Relationship Manager / Credit Officer - State Bank of India (Global Fortune 500)

(2016-11 - 2020-07)

• Managed an expanded multi-branch corporate, retail, and MSME credit portfolio of ₹50 Cr across 13 branches; drove a 30% portfolio expansion via strategic client acquisition and systematic cross-selling.
• Designed structured appraisal templates and checklists integrating financial analysis, cash flow metrics, and covenant tracking to ensure uniform, high-quality credit underwriting regional-wide.
• Built and deployed an automated appraisal-note generator for agricultural lending, eliminating redundant manual workflows, ensuring strict policy compliance, and significantly reducing loan application TAT.
• Executed an industrial corridor market survey of 85 enterprises to map unmet financing needs; compiled the business roadmap and feasibility study that led to the successful launch of a specialized MSME branch.
• Designed and distributed standardized migration checklists during the historic SBI Associate Bank amalgamation, ensuring seamless data, process, and system integration across branches.
• Conducted complex credit analysis, prepared comprehensive Credit Assessment Memorandums (CAM), negotiated underwriting terms, and coordinated NPA recovery frameworks to preserve portfolio health.

Corporal (Non-Commissioned Officer) - Indian Air Force

(2009-06 - 2016-10)

• Converted complex technical avionics knowledge into structured, repeatable diagnostic processes; developed fault-isolation frameworks for mission-critical systems that improved troubleshooting speed and maintenance accuracy.
• Authored and institutionalized standardized maintenance playbooks and repair methodologies, driving a ₹100 Cr+ in cost savings and significantly accelerating knowledge-transfer lifecycles for junior technicians.
• Led multi-disciplinary teams (engineering, logistics, operations) under intense, high-pressure environments, securing 100% operational readiness and regulatory compliance.

Aircraftsman / Leading Aircraftsman - Indian Air Force

(2005-09 - 2009-05)

• Executed precision preventive and corrective maintenance on critical systems under strict adherence to technical manuals, safety standards, and strict defense protocols.
• Maintained comprehensive compliance documentation and led readiness audits, reliability checks, and process quality-assurance evaluations.

Master of Business Administration - MBA - Indian Institute of Management (IIM), Indore (2026)

PG Diploma in Data Science - PGDDS - International Institute of Information Technology (IIIT), Bangalore (2022)

Master of Science in Information Technology - MSc IT - Dr. CV Raman University, Bilaspur (2014)

Bachelor of Computer Applications - BCA - The ICFAI University, Tripura (2012)