SHANKARANAND SATTYAPPA NASHIPUDI
Belgaum
Summary
Middle Management dynamic Banking professional with 19+ years rich experience in Banking especially in credit worked under Core banking solution platform. Headed branches, training centre, managed teams. Accomplished Deputy General Manager with strong experience in strategic planning, team management, and operational improvement. Known for excellent problem-solving skills and ability to lead high-performing teams. Proven track record of improving business processes and driving revenue growth through innovative strategies.
Overview
19
19
years of professional experience
Work History
DEPUTY GENERAL MANAGER-BRANCH HEAD-RETAIL BANKING
IDBI BANK LTD
Mumbai
08.2025 - Current
- Responsible for opening/verification of various loans, viz.Gold loans, CC, OD, TL, etc., at the branch level by using finacle menu options HOAACCC, HOAACOD, HOAACVCC, HOAACVOD, PSLAOF, CRM, ACCTOPN, etc.
- Responsible for Security Register Maintenance, Disbursement Transactions, Loan Repayment/Prepayment, Account Closures, Account Modifications, Interest Modifications, Limit Modifications, through various Finacle options, viz. HCLL, HCLM, HSCLM, HLADISB, HLASPAY, HLAUPAY, HPAYOFF, HCAAC, HINTTM, HLINTTM, etc..
- Perform bulk transfers - HTTUM, Teller Account Maintenance - HGECM, Freeze/Stop payment/Lien marking through HAFSM, HALM, HSPP, and Setup standing instructions - HSIM.
- Perform various other operations in Finacle, viz. payment systems - NEFT, RTGS, ECS, GBM; tax collections through HPORDM, CNEFT, etc.
- Verify reports on financial and non-financial transactions through IBANK102, IBANK28, IBANK65, HISRA, AMLTRXS, DDOSR etc.
- Strategy planning and profitability - Device an action plan for the branch and ensure that overall, as well as individual, targets for the branch (assets, liabilities, and fee-based income recovery) are met.
- To ensure proper contacts with HNI clients and government officials/Departments, other bankers, institutions/organizations.
- To ensure proper documentation / security creation / mortgage formalities/perfection of the securities (ROC, CERSAI etc.) as per Sanction letter / letter of Intent (LOI).
- Timely review / renewal of the loan accounts to avoid accounts slipping into NPA.
- Follow up for Recovery / NPA management by taking eective steps for recovery in line with recovery policy of the Bank.
- Cheque Processing & Clearing Operations.
- Managed daily branch operations and staff performance to ensure smooth workflow.
- Developed and implemented strategic plans to enhance customer satisfaction and retention.
- Trained and mentored team members to improve service delivery skills.
- Collaborated with regional management to align branch goals with corporate objectives.
- Established strong relationships with clients to foster loyalty and trust in services.
- Ensured compliance with company policies and regulatory requirements at the branch level.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Conducted regular performance reviews for all employees in the branch.
- Monitored financial performance of the branch on a monthly basis.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Resolved escalated customer complaints in a timely manner.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Disciplined employees to encourage compliance with company policies and procedures.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Established and built customer relationships through targeted outreach and initiatives.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Performed regular audits of financial records in order to ensure accuracy.
- Established strong working relationships with external partners such as vendors and suppliers.
- Assisted other branches when needed during peak periods or special projects.
- Participated in community events to promote brand awareness.
- Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Maintained consistent growth in accounts and receivables by obtaining and retaining loan borrowers.
- Coordinated promotional campaigns for new products or services in order to boost sales revenue.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
DEPUTY GENERAL MANAGER-FACULTY
IDBI BANK LTD
New Delhi
04.2025 - 07.2025
- Developed training materials for new staff on company policies and procedures.
- Facilitated training sessions to enhance employee knowledge and skills.
- Assessed training needs through feedback from employees and management.
- Coordinated onboarding processes for new hires across various departments.
- Evaluated training effectiveness through surveys and participant feedback sessions.
- Updated training programs to align with industry standards and compliance regulations.
- Collaborated with department heads to identify specific training requirements.
- Designed, developed, and delivered instructor-led learning activities in both online and classroom formats.
- Evaluated effectiveness of training programs by collecting feedback from trainees through surveys.
- Developed and implemented onboarding programs to ensure successful integration of new hires into the organization.
- Researched current trends in employee development and best practices in order to create innovative approaches for delivering training content.
- Monitored the progress of trainees to evaluate their understanding of the topics covered during instruction.
- Conducted training sessions for new staff members on procedures and policies.
- Organized workshops for existing staff members in order to enhance their skill sets related to job roles.
- Created materials such as handouts, PowerPoint presentations, videos, manuals, and other documents for use in training sessions.
- Facilitated group discussions among participants during instructional sessions as needed.
ASSISTANT GENERAL MANAGER-BRANCH HEAD -RETAIL BANK
IDBI BANK LTD
BIJAPUR
06.2022 - 03.2025
- Performed role as applicable to Branch Head as stated above.
ASSISTANT GENERAL MANAGER- ASSETS
IDBI BANK LTD
Davangere
06.2019 - 05.2022
- Responsible for creation of various loans viz. Gold Loans, CC, OD,TL etc at branch level by using finacle menu options HOAACCC, HOAACOD, PSLAOF, CRM, ACCTOPN etc.
- Responsible for Security Register Maintenance, Account modification, Disbursement Transactions, Loan Repayment/ Prepayment, Account Closures, Account Modifications, Interest Modifications, Limit Modifications, limit tree creation, charges recovery, rescheduling through various finacle options, viz. HCLL, HCLM,HSCLM, HACM, HLADISB, HLASPAY, HLAUPAY, HPAYOFF, HCAAC, HINTTM, HLINTTM, HLTL, LNCHG, HLARR, etc.
- Evaluated client financial information for loan eligibility and risk assessment.
- Processed loan applications using industry-standard software systems efficiently.
- Reviewed credit reports to determine borrower creditworthiness and potential risks.
- Assisted clients in understanding mortgage options and repayment plans available.
- Developed strong relationships with clients to enhance customer service experience.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Developed and maintained relationships with potential customers to increase loan business.
- Delivered high levels of customer service to facilitate smooth processes.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Reviewed credit histories, income statements, and other financial information of loan applicants.
- Provided customer service support throughout the entire process from application through closing.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Maintained current knowledge regarding new laws, regulations, policies, procedures, products, services. related to consumer lending operations.
- Negotiated terms and conditions of loan contracts.
- Identified opportunities for cross-selling additional products and services.
MANAGER- ASSETS
IDBI BANK LTD
Kalaburagi
09.2018 - 05.2019
- Performed role as applicable assets as stated above.
MANAGER-BRANCH HEAD-RETAIL BANKING
IDBI BANK LTD
Bailhongal, Belgaum
09.2014 - 08.2018
- Performed role as applicable to Branch Head as stated above.
ASSISTANT MANAGER-ASSETS
IDBI BANK LTD
Bellary
02.2010 - 08.2014
- Performed role as applicable to Assets as stated above.
AGRI SERVICE OFFICER
AXIS BANK LTD
Belgaum
10.2007 - 01.2010
- Processed loan applications and verified necessary documentation accurately.
- Assisted customers with account inquiries and transactions efficiently.
- Guided clients through banking products and services effectively.
- Resolved customer complaints and provided appropriate solutions promptly.
- Adhered to company policies when dealing with customers or resolving issues.
- Processed loan applications using industry-standard software systems efficiently.
- Evaluated client financial information for loan eligibility and risk assessment.
- Reviewed credit reports to determine borrower creditworthiness and potential risks.
OFFICER (MARKETING & RECOVERY)-FARM SECTOR
STATE BANK OF MYSORE
Davangere
03.2006 - 09.2007
- Developed marketing strategies to enhance brand visibility and engagement.
- Coordinated promotional campaigns across various digital platforms.
- Conducted market research to identify customer needs and preferences.
- Conducted market research to identify trends in consumer behavior and preferences.
- Identified target audiences and developed strategies to reach them through various channels.
- Managed case files and documentation for recovery processes.
- Reviewed account details to identify potential recovery opportunities.
- Implemented recovery strategies in compliance with legal regulations.
- Negotiated settlements with customers in order to resolve past due balances.
- Developed strategies to minimize bad debts, mitigate losses and maximize recoveries.
- Monitored customer accounts for any changes that may affect the repayment plan.
- Ensured timely collection of overdue payments from debtors.
Education
Certificate Examination in MSME - MSME
Indian Institute of Banking & Finance
Pune01-2023
Certificate Examination in KYC & AML - KYC & AML
Indian Institute of Banking & Finance
Pune01-2023
CAIIB-Certification Course - Banking And Finance
Indian Institute of Banking & Finance
Pune01-2019
JAIIB-Certificate Course - Banking and Finance
Indian Institute of Banking & Finance
Pune01-2011
Bachelor of Science - Agriculture
University of Agricultural Sciences
Dharwad06-2005
Skills
- Core banking solution
- Loan processing
- Financial analysis
- Risk assessment
- Compliance management
- Customer relationship management
- Strategic planning
- Performance evaluation
- Problem solving
- Team building
- Time management
- Staff training and development
- Leadership and team building
- Community engagement
Projects
Faculty, Worked as a Guest Faculty at Zonal Training Centre, Bangalore and JNIBF (Jawaharlal Nehru Institute of Banking & Finance) Hyderabad to provide training to other staff members about Assets (Loans processing).
Languages
- English
- Hindi
- Kannada
Personal Information
Date of Birth : 30/07/2025
Marital status : Married
Languages
Kannada
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Accomplishments
Several awards, mementos and recognition certificates have been received for achieving various budgets.
Timeline
DEPUTY GENERAL MANAGER-BRANCH HEAD-RETAIL BANKING
IDBI BANK LTD
08.2025 - Current
DEPUTY GENERAL MANAGER-FACULTY
IDBI BANK LTD
04.2025 - 07.2025
ASSISTANT GENERAL MANAGER-BRANCH HEAD -RETAIL BANK
IDBI BANK LTD
06.2022 - 03.2025
ASSISTANT GENERAL MANAGER- ASSETS
IDBI BANK LTD
06.2019 - 05.2022
MANAGER- ASSETS
IDBI BANK LTD
09.2018 - 05.2019
MANAGER-BRANCH HEAD-RETAIL BANKING
IDBI BANK LTD
09.2014 - 08.2018
ASSISTANT MANAGER-ASSETS
IDBI BANK LTD
02.2010 - 08.2014
AGRI SERVICE OFFICER
AXIS BANK LTD
10.2007 - 01.2010
OFFICER (MARKETING & RECOVERY)-FARM SECTOR
STATE BANK OF MYSORE
03.2006 - 09.2007
Certificate Examination in MSME - MSME
Indian Institute of Banking & Finance
Certificate Examination in KYC & AML - KYC & AML
Indian Institute of Banking & Finance
CAIIB-Certification Course - Banking And Finance
Indian Institute of Banking & Finance
JAIIB-Certificate Course - Banking and Finance
Indian Institute of Banking & Finance
Bachelor of Science - Agriculture
University of Agricultural Sciences
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