PROFILE
ROHIT GUPTA
+91 9040823260
rohit26.gupta@gmail.com
Senior Leadership Role – Risk & Compliance |
Forex Accounting | Foreign Operations |Credit
Functions | Branch Operations-Retail
Preferred Industry: Banking & Consulting
KEY SKILLS
Compliance & Risk Mgmt.
Forex Accounting
Back Office Operations
Credit Operations
Data Management
Corporate Reporting
Credit Appraisal
Branch Ops. & Retail Banking
Liaison & Coordination
Executive Leadership
EMPLOYMENT HISTORY
State Bank of India | 2011 - present
• 2022: Kolkata: Head-Branch Operations,
SBI PBB Salt lake, Kolkata
• 2018 – 2021: Chief Risk Officer, SBI,
Johannesburg
• 2015- 2018: Manager - SBI Global Market,
Kolkata
• 2013 – 2015: Deputy Manager (Loan
Processing Cell), SBI Regional Office,
Odisha
• 2011-2013: Probationary Officer
TATA Consultancy Services | 2006 -2010
• IT Analyst
• Astute professional with 17 years of total experience, of which last
11 years are in Forex Accounting, Risk & Compliance, and Credit
Operation in Retail Banking, and rest in IT – Support & Project
Management & Branch Operations
• Presently associated with State Bank of India. Last assignment was
as Chief Risk Officer, SBI-Johannesburg and currently posted as
Head of Branch Operations in SBI
• Hands on experience in implementation of Risk Data Aggregation and
Risk Reporting framework (RDARR) and improving the overall Risk
environment and regulatory reporting standards particularly in the
Liquidity management areas such as LCR/NSFR.
• Comprehensive expertise in Forex Back-office operations; worked
across various functions such as Regulatory Compliance,
Reconciliation, Accounting.
• In-depth exposure to Credit functions, excel at dealing and processing
variety of credit proposals (personal, high value SME segment).
• Immense experience in NPA management and follow-up mechanism to
avoid slippages well in time.
• Experienced in providing robust data management, analysis, and
reporting to facilitate executive-level decision making. Proven ability in
supporting business operations through analysis of key performance
indicators and trends.
• Outstanding communication, interpersonal and organizational skills,
highly effective working in high-paced environments and collaborating
with various levels of personnel.
EMPLOYMENT DETAILS
State Bank of India, India | 2022 - present
Key Assignments Handled:
Head-Branch Operations: 2022 – present
State Bank of India, PBB Salt Lake Branch, Kolkata
▪ Managing HNI clients and their portfolio with providing customer delight
▪ Oversee the processing, sanction and documentation of Automobile
loans (more than 50/month), its compliance and successful migration to
the processing and documentation cell
▪ Sourcing, mobilization, appraisal and sanction of Real Estate Proposal
and portfolio
▪ Direct all operational aspects including distribution operations, customer
service, human resources, administration and sales
▪ Assess local market conditions and identify current and prospective sales
opportunities
▪ Bring out the best of branch’s personnel by providing training, coaching,
development and motivation
▪ Locate areas of improvement and propose corrective actions that meet
challenges and leverage growth opportunities in P-Segment
portfolio(Both Assets & Liabilities)
▪ Adhere to high ethical standards, and comply with all
regulations/applicable laws
▪ Networking with Automobile dealers and Real Estate developers to
improve the presence and reputation of the branch and bank
▪ Stay abreast of competing markets and provide reports on market
movement and penetration
EDUCATION
State Bank of India, Johannesburg
• Bachelor of Engineering, 2002-2006
Computer Science & Engineering – Orissa
Engineering College, Bhubaneswar, India
CERTIFICATIONS
• Certified Associate of IIB & F (CAIIB), 2012
Risk Management, Indian Institute of Banking &
Finance, Mumbai
• Certified Treasury Professional (IIB & F), 2018
Forex Dealing, Money Market Operations & Financial
Markets & Role of Treasury, Indian Institute of Banking
& Finance, Mumbai
• RE1 & RE5, 2019
Market Conduct Regulations, Financial Sector
Conduct Authority, South Africa (FSCA)
• Certified Financial Crime Specialist, 2018
Association of Certified Financial Crime Specialist
(ACFCS)
• Certified Treasury Professional, 2018
Forex Dealing, Money Market Operations & Financial
Markets & Role of Treasury, Indian Institute of Banking
& Finance, Mumbai (IIB &F)
• Certificate in Back Office Operations, 2017
Forex Back office, mid-office and dealing room functions,
National Institute of Bank Management, (NIBM) Pune
KEY ATTRIBUTES
Manager Balance Sheet Management/System & Procedure
SBI, Global Market, Kolkata (2015-2018)
Collaborator
Communicator
Planner
Facilitator
Chief Risk Officer, 2018-2021
▪ Drive a risk culture and enhanced the risk management framework of
the bank that made possible early detection of adverse risk trends in
both liquidity and operational risks.
▪ Oversaw and improved reporting of various South African Bank Act
returns like pertaining to liquidity and other prudential ratios1 (LCR and
NSFR).
▪ Successfully implemented 11 principles of BCBS 239 (Risk Data
Aggregation and Risk Reporting) (BASEL) at SBI South Africa by
effectively liaising with various stakeholders to present accurate data
driven risk picture to senior management to aid in key decision making.
▪ Assayed key role in implementing comprehensive RDARR framework
document along with new developments in risk reports and
modifications in existing reports and processes to meet the BCBS 239
standards.
▪ Responsible for reviewing, maintaining and conducting Annual Risk and
Control Self-Assessment (RCSA) exercise and relevant registers.
▪ Led and ensured implementation of strategies that conform to the risk
appetite and levels of exposure as approved by the Board
▪ Inculcated a risk management culture in the organization through risk
awareness campaigns, and training.
▪ Monitored, assessed and reported enterprise-wide risk events and
losses.
▪ Monitored the performance of the loan portfolio including large
exposures.
• Facilitated the implementation of the Internal Capital Adequacy
Assessment Process (ICAAP) and submission to the Prudential Authority
• Designed and implemented the anti-fraud and corruption strategy for the
organization.
• Led the implementation of the BCP and DR plan for the bank and its
periodic review.
• Served as an active member of the Executive Management Committee
(EXCO), Assets and Liabilities Committee, Information Technology
Committee and Branch Management Committee
• Engaged in the preparation and publishing of various reports and
presentations such as Daily Forex Profit and Loss, Bank Quarterly
results, Various Return reports along with analysis and validation for use
by Top management, Stakeholders and Corporate Headquarters.
• Developed and reviewed various standard operating procedures (SOP)
for different processes in the department
• Coordinated and conducted statutory audit at quarterly intervals.
• Monitored and reported Liquidity Risk parameters like Net overnight
Open position (NOOP), Individual Gap Limits (IGL) and Aggregate Gap
Limits (AGL) of both Domestic and Foreign offices of IBG, MRMD and
RBI.
• Reported trigger level / breaches to MRMD and Bank’s board as per laid
down Market Risk policy
• Responsible for submission of GAP POSITION & BALANCES (GPB)
return to Reserve Bank of India on a Daily (T +1) basis
• Consolidation of Bank level AGL, IGL, NOOP and Value at Risk (VaR)
limits.
• Handled the preparation and submission of
- Foreign contribution regulation Act return to the Ministry of Home
Affairs, Government of India.
- International Banking Statistics return consolidating the position of
NOSTRO and Derivative balances to the RBI on a quarterly basis
• Key role in setting up of new accounting for products and processes with
 • Key role in setting up of new accounting for products and processes with
approvals form OP & SP, FRT and Weekly departments of corporate
center as and when required.

Deputy Manager (Loan Processing Cell), 2013 – 2015

SBI, Regional Office, Odisha
• Engaged in processing high value proposals above Rs. 1 cr. and up to
Rs. 5 cr. to Regional Credit committee
• Followed up of Non-Performing Assets (NPA) of 42 branches under the
region to avoid Credit Risk arising out of non-payment of dues in SME,
Car, Housing and other Personal loan portfolio.
• Renewal of Credit proposals in 42 branches under the region
• Provided support and coordination for seamless completion of audits -
Risk Focused Internal audit (RFIA)

TATA Consultancy Services | 2006 -2010

IT Analyst (Chennai, Kolkata, Bhubaneswar)

• Development of modules in COBOL for an Insurance major of UK
• Supported EDI operations of an Aluminum major of the US using
Gentran and Tibco integration tools as project lead
• Successful implementation of the EDI project in a 24*7 model covering
various geographies from Australia to the North America.
• Proof of Concept (POC) and development of the IT system of a large
university at Riyadh using SOA 11g BPM suite (Middleware)