Sumeet Khutwad

Banking & Financial Services professional with 9+ years of experience in retail banking, credit underwriting, loan operations, CASA management, and regulatory compliance, now transitioning into Business Analysis. Strong background in requirements gathering (RBI/regulatory processes), stakeholder management, MIS/data reporting, and process improvement within core banking systems. Skilled in translating business needs into operational workflows, with hands-on exposure to Advanced Excel, SQL, and Finacle CBS.

Brings a rare combination of deep banking domain knowledge and analytical skills, well-suited for BA roles in BFSI, fintech, and IT organizations serving the banking sector.

Senior Operations Executive – Multi-Counter Banking Operations at Vidya Sahakari Bank Ltd. (2016-01 – 2026-12)

• Analyzed business requirements for loan underwriting, CASA operations, and customer onboarding processes, translating regulatory and operational needs into actionable workflows.
• Partnered with stakeholders across sales, credit, audit, and management teams to gather requirements, resolve process gaps, and improve turnaround time on loan processing.
• Prepared and analyzed MIS reports, AML reports, and regulatory compliance reports, using data to support management decision-making.
• Conducted end-to-end process analysis for Home, Mortgage, Auto, and Personal Loans — evaluating income, repayment capacity, credit history, and risk parameters.
• Documented and streamlined loan documentation, verification, collateral evaluation, and disbursement workflows, improving process consistency.
• Coordinated cross-functional projects involving insurance partners, auditors, and regulators, ensuring accurate documentation and compliance with bank guidelines.
• Supported RBI and internal audits by ensuring process adherence, data accuracy, and regulatory compliance.
• Led recovery and collections analysis to identify risk trends and improve asset quality.
• Operated Finacle CBS for transaction processing, reporting, and data extraction, building strong familiarity with core banking system data structures.

Sales Executive at Vocalbug Communication Pvt. Ltd. (2015-01 – 2016-12)

• Analyzed customer needs and market trends to identify sales opportunities, building foundational skills in stakeholder engagement and requirement identification.
• Built and maintained client relationships, translating customer feedback into actionable follow-ups — an early foundation for requirements-focused BA work.

MBA in Finance – IMR Institute

M.Com – S.P. College

B.Com – S.P. College