Shashikant Nirala

HDFC Bank Ltd | AVP – Credit Administration/ Credit Operations & Services

Aug 2023 – Present

• Lead wholesale & Retail (SME) Asset operations across multiple segments, managing end-to-end post-sanction lifecycle
• Manage and mentor a team of 15–18 members , ensuring operational efficiency and service excellence
• Drive portfolio quality and risk governance through monitoring, reviews, and policy adherence
• Collaborate with Risk, Legal, Compliance & Business teams for timely credit processing and issue resolution
• Oversee documentation, disbursement, and security creation in line with regulatory standards
• Ensure effective covenant monitoring and audit compliance , with timely closure of observations
• Identify and implement process improvements to enhance TAT and operational efficiency
• Maintain strong client service and stakeholder relationships across the portfolio

L&T Finance Ltd | Team Manager – Credit Monitoring

Dec 2017 – Jul 2023

• Managed real estate & construction finance portfolio , overseeing post-sanction lifecycle
• Ensured documentation, disbursement, and compliance as per sanctioned terms
• Monitored cash flows, escrow, DSRA, and covenant adherence
• Led EWS tracking and portfolio risk monitoring
• Delivered MIS, portfolio reviews, and audit closure
• Collaborated with cross-functional teams and mentored team members

• Managed post-sanction credit operations including documentation and disbursements
• Verified facility and security documents ensuring compliance with sanction terms
• Oversaw tranche disbursements and adherence to credit conditions
• Maintained documentation records and monitoring reports for internal/external requirements
• Closed audit observations and ensured compliance adherence
• Delivered high service standards and client relationship management

ICICI Bank Ltd | Associate Relationship Manager – Corporate Banking

Nov 2016 – Nov 2017

• Managed large corporate portfolio with focus on relationship management and business growth
• Drove client acquisition and cross-sell opportunities in coordination with internal business groups
• Prepared credit appraisal notes, term sheets, and proposals for credit committee approval
• Coordinated with Risk, Compliance, Treasury, and Legal teams for deal structuring and closure
• Monitored account performance, profitability, and creditworthiness of clients
• Built strong client relationships and stakeholder engagement across the portfolio

ICICI Bank Ltd | Manager – Credit Mid Office Group (CMOG)

May 2010 – Nov 2016

• Managed large corporate portfolio with end-to-end credit lifecycle oversight (pre- & post-sanction)
• Conducted credit appraisal, compliance checks, and preparation of approval notes for sanctioning committees
• Oversaw documentation, limit setup, and security creation , ensuring adherence to sanction terms
• Coordinated with Credit Risk, Legal, and Business teams for deal execution and closure of deviations
• Managed post-disbursement monitoring , including drawing power calculations and compliance tracking
• Ensured audit readiness and regulatory compliance across all credit processes

• Handling Customer compliant and queries
• Cross selling business