Swapnil Kale Email and Phone Number

- Operation cost rationalization : 45% reduction YoY- Facilitating quarterly Peer Audit- User Onboarding (for systems) & other compliance activities for SME dept - Designed & Implemented enhanced methods of conducting audit activity- Sole contact point for Process & Control activities

Unit• Responsible for process enhancement and digitizing process workflows at sourcing & credit appraisal stages - 25% improvement in Data entry TAT, 5% reduction in FTNR% - annualized savings of INR 4.2M• E2E Implementation of Used Vehicle Valuation workflows in LaserSoft system (Handling logins worth 20 Cr with 90% penetration, 50% Valuation TAT <16hrs)• Implementation of eKYC functionality in loan sourcing app (85% penetration with 5% TAT reduction at data entry stage, annualized saving of INR 0.6M )• Introduction of In-Principle Approval swimlanes - faster processing for 7% cases • Reduction of NVA at the Credit underwriting stage by resolving system bug (scanned image distortion) resulting into a 15% improvement in TAT and savings of INR 1.8M annually • Implementation of Auto CPV waiver feature (20% of login volumes; estimated savings of INR 1.2M annually) • 3X increase in system driven credit control deviations• Eliminating Operational risk - Implementing system driven bank approved asset price master & deviation control• Creation of MIS dashboard for all key product metrics along with national, regional & historical trends

• E2E implementation of new loan origination system - RAPID for products like - Farm Tractors, CV, MSME, & Housing. Handled logins worth ~ INR 30M• Hands on with project management modules - requirement gathering, documentation, gap analysis, mapping as is - to be process flows, competitor analysis, master management, user acceptance (UAT) & prod. verification (PVT) testing, Project pilot & GoLive activities & production support• Creation of reusable assets - process flow charts, training deck, startup manuals, videos & using the same in conducting training/walk through sessions for the end user. • Vendor Management : Daily/Weekly defect reporting, management & monitoring, downtime coordination for patch deployment, ensuring proper communication with respect to deliverables & delivery dates, handling production issues

• Successfully delivered the conceptualization of improved and holistic version of mobile banking app – MoBank. Also, performed UAT testing for the current version • Individually handled critical projects – zone wise customer segmentation and analysis, competitor analysis about internet & mobile banking, providing insights about the customer behavior pattern and new age banking trends • Responsible for customer communication through MoBank notification of highlighting its features and functions.Conducted regular training sessions at RBL Contact center for speedy customer query resolution. • SPOC for publishing RBI reports on mobile banking transaction & value and also for monthly MoBank customer review reports through messages on social media. • Skilful use of quality assurance expertise in successfully testing the digital transformation projects of personal loans (retail risk) - LOS and LMS execution mechanisms• Contributed to a successful end to end implementation, monthly status reporting and updation to management committee on digital lending projects – RBL MoneyTap Card, first Indian credit line app• Single handedly conceptualized, coordinated and implemented a first of its kind - online employee engagement interactive quiz across bank branches and corporate offices, playing a vital role in achieving organization vision to feature RBL Bank in GPTW 2020

• Detailed study and understanding of E-payment end to end transaction process - operational workflows, interdependent sub processes, tools, reports, query resolution involving various internal and external stakeholders• Functional optimization of the business process workflow with gap identification, analysis, monitoring and seeking their closure through interviews, meetings and follow up sessions• Setting up gap tracking and mapping mechanism which helps avoiding bottlenecks and delays

• Led Quality Assurance team of 4 members to successful completion and delivery of projects with key responsibility for requirement analysis, prompt updation of scope document, status reporting, project metrics and effort estimation• Expertise in Script Authoring, Script Review, Script Execution, Defect Logging & analysis in both System and UAT testing. Tools: Quality Centre, Cognos Reports, APRIMO, SOAP UI• Independently created a reusable asset to reduce work redundancy for the team by developing an automation API suite used to execute smoke & regression testing for varied test environments • Created a detailed knowledge transfer document covering the latest release requirements for new entrants in the project facilitating their hands on session and conducted a 4-day Testing methodologies and approaches induction training for fresh recruits

As a Test team member I had hands on experience of creation, review, dry run• Creation, review, dry run and execution of Test scripts• Defect management• Scheduling/Attending client calls/Defect Triage calls• Created an Automation suite which triggers all API in 3 different environments• Creating and updating of Knowledge transfer documents covering new release requirements• Effort estimation