SHILPA SRIVASTAVA
New Delhi
Summary
Detail-oriented and result-driven Credit Administration Professional with over 8+ years of experience in loan documentation, credit operations, compliance, and risk management and total Banking experience of 13+ years. Proven expertise in institutional banking, credit monitoring, and regulatory compliance, while ensuring seamless credit disbursement and documentation processes. Proficient in Finnacle, Flexcube Retail, and Flexcube Corporate banking software. Adept at managing high-value corporate portfolios, ensuring regulatory adherence, and optimizing operational efficiency. High-performing professional with integrity, and leadership skills. Applies knowledge and abilities to positively impact organization. Flexible in different situations and dynamic conditions. Works great under extreme stress and deadlines
Overview
14
14
years of professional experience
1
1
Certification
Work History
OFFICER - CREDIT ADMIN
DBS India Ltd
02.2017 - Current
- Spearhead loan documentation and credit administration for Institutional Banking (IBG 4 Segment), ensuring seamless disbursement and compliance
- Draft and review critical documents, including Banking Facility Letters, Deed of Hypothecation, Letters of Guarantee, and Pari-passu Letters
- Issue No Objection Certificates (NOC) and No Dues Certificates (NDC) for security sharing under MBA & Consortium Banking
- Ensure compliance checks and legal due diligence, reviewing legal search reports and valuation reports
- Oversee credit limit updates in Finacle to align with sanctioned facilities
- Ensure pre-disbursement compliance, verifying execution of security documents and regulatory approvals
- Collaborate with legal, business, and credit teams for non-standard documentation and risk mitigation
- Lead MIS management for loan documentation expiry, renewals, and credit operations tracking
- Optimized credit processing turnaround time by 20% through process automation and workflow improvements
MANAGER (BRANCH OPERATIONS HEAD)
Kotak Mahindra Bank Ltd
12.2015 - 01.2017
- Managed branch banking operations and oversaw daily transactions from start-of-day to end-of-day processing
- Supervised branch operations team, ensuring smooth functioning of cash management, clearing, and customer service desks
- Ensured regulatory compliance and risk management, reporting STR accounts, high-value transactions, and unusual activities
- Conducted branch suspense account reviews, ensuring timely reconciliation and adherence to TAT guidelines
- Led internal and external branch audits, enhancing compliance ratings and reducing operational risks
- Implemented process optimizations that improved audit scores and customer service metrics
DEPUTY MANAGER
Axis Bank Ltd
02.2011 - 12.2015
- Managed and supervised branch banking operations, ensuring high service standards and compliance
- Verified financial and non-financial transactions, ensuring accuracy and regulatory adherence
- Handled client servicing, including account openings, resident & non-resident banking, remittances, and time deposits
- Led a team in achieving high service quality ratings and compliance standards
Education
PGDM - Finance & Marketing
JIMS
NEW DELHI01.2010
Bachelor of Education - Education
IP University
New Delhi01.2008
Bachelor of Science -
Delhi University
New Delhi01.2007
Skills
- Loan Documentation & Credit Administration
- Risk Assessment & Compliance Management
- Credit Monitoring & Regulatory Adherence
- Institutional & Corporate Banking
- Financial Analysis & Credit Operations
- Portfolio & Limit Management
- Core Banking Software (Finnacle, Flexcube)
- MIS & Process Optimization
Certification
- German Language Certification, Max Mueller Bhavan
- Office Assistant Course, Times of India
Timeline
OFFICER - CREDIT ADMIN
DBS India Ltd
02.2017 - Current
MANAGER (BRANCH OPERATIONS HEAD)
Kotak Mahindra Bank Ltd
12.2015 - 01.2017
DEPUTY MANAGER
Axis Bank Ltd
02.2011 - 12.2015
PGDM - Finance & Marketing
JIMS
Bachelor of Education - Education
IP University
Bachelor of Science -
Delhi University
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