saiee kulkarni

I’m an Assistant Vice President with 17+ years of experience in operational and credit risk within the BFSI sector. I specialize in strengthening retail branch banking and end-to-end retail and corporate credit operations through process discipline, control reporting, and clear stakeholder communication.

In my current role at IndusInd Bank, I lead PAN India collateral management operations and annual client review operations. I drive circulation of control reports and MIS, support periodic RBI submissions, and ensure timely closure of audit queries—while delivering measurable improvements like 70% better team efficiency, 90% TAT enhancement, and a 60% reduction in action delays.

Earlier at IndusInd Bank (Chief Manager), I handled corporate credit operations for Gems & Jewellery and GIFT City segments, including limit setup for Letter of Credit and Bank Guarantee lines, annual review-approved CAM updates, collateral information updates in the core banking system, and control MIS for review and collateral processes. I improved individual TAT by 30% through structured checklists and calendar/tracker-driven workflows, increased team communication by 50% via engagement huddles, and reduced transaction risk by 40% through process-note adoption and double-checking mechanisms.

Before that, as a Manager at IndusInd Bank, I managed corporate disbursements and loan operations for the West region, handled ROI resets linked with LIBOR, supported foreign currency loan disbursements and recoveries, and circulated corporate credit MIS. Progressing from maker to authorizer, I improved approval accuracy, strengthened end-to-end transaction validation, increased credit process understanding by 75%, and reduced operational risk by nearly 50% through detailed control reports; prior to that (2008–2016) I worked at Cosmos Bank on retail branch operations, end-to-end retail loan processing, and demat account operations with audit-compliant, regulatory-aligned delivery.