Ashwini Bhube

About Ashwini Bhube

With over 19 years of industry experience, currently serving as Lead - Quality Assurance and Credit Process at IDFC FIRST Bank, contributing to process excellence and regulatory compliance across credit verticals. Expertise includes implementing risk-based sampling frameworks, driving defect trend analysis, and influencing upstream credit underwriting policies to ensure portfolio health and operational efficiency. Known for leading digital transformation initiatives, spearheading automation of quality assurance processes, and fostering cross-functional collaboration. Certified in Lean Six Sigma, PMP®, and CSM, with a focus on optimizing debt management strategies, leveraging Tableau integration, and enhancing compliance and risk frameworks through innovative solutions. Dedicated to aligning strategic initiatives with organizational goals to drive sustainable growth and customer-centric outcomes.

Experience

1. Lead - Quality Assurance and Credit Process

   IDFC FIRST Bank

   Apr 2024 — Present · Mumbai, IN

   Lead and govern the centralized Hindsighting and Quality Assurance function across all credit verticals (retail, MSME, gold loans, secured/unsecured products).• Define and implement a risk-based sampling framework, ensuring high-risk cases are prioritized for quality review.• Drive strategic initiatives to identify systemic gaps, recommend preventive solutions, and influence upstream underwriting/process policies.• Ensure end-to-end compliance with internal credit policies, SOPs, RBI regulations, and audit standards.• Lead development and periodic updates of product-wise QA checklists in collaboration with credit policy and operations teams.• Analyze defect trends and publish dashboards/reports to senior management and credit committees with actionable insights.• Champion automation and digitization of QA checks through workflow tools, dashboards, and exception monitoring.• Interface with internal and external auditors, regulators (e.g, RBI), and risk/governance committees for reporting and control assurance.• Provide leadership to a pan-India QA team including regional QA leads, analysts, and vendor management resources.• Build a strong culture of credit quality ownership, partnering with business heads, credit risk, and training to uplift field-level practices.• Lead training initiatives for underwriters, credit managers, and QA reviewers to drive consistency and quality outcomes.

Education

• University of Mumbai

  BE, Electronics

  2000 — 2004

• Indian Institute of Management, Lucknow

  Management Development Programme in Digital Transformation, Digital Transformation

  2020 — 2021

• ICFAI University

  Masters in Retail Management, Retail

  2008 — 2009

• Chetana Institute Of Management & Research

  PGDBM, Marketing

  2006 — 2008

Skills

• Data Analysis
• Quality Auditing
• Call Centers
• Business Development
• Fraud Detection
• Business Strategy
• Credit Risk
• Strategy
• Vendor Management
• Communication Skills
• Leadership
• Business Process Improvement
• Quality Analysis
• Risk Management
• Team Management
• Mis
• Key Account Management
• Business Planning
• Crm
• Service Delivery
• Training & Development
• Business Analysis
• Management Information Systems (Mis)
• Business Intelligence
• Forecasting
• Product Management
• Process Improvement
• Revenue Assurance
• Management
• Customer Service
• Competitive Analysis
• Project Planning
• Telecommunications
• Trend Analysis
• Analysis
• Customer Relationship Management (Crm)
• Marketing
• New Business Development
• Process Rengineering Projects