Shippu Sharma
Operation Specialist
Delhi,MH
Summary
Dynamic banking professional with over 12 years of specialized experience in Corporate Operations, Credit Administration, and Wholesale Banking within top-tier financial institutions. Expertise includes loan documentation, security management, regulatory compliance, and risk monitoring, audit handling complemented by a strong track record of leading teams to achieve flawless execution in large-ticket lending. Recognized for driving process improvements and ensuring audit compliance while fostering robust cross-functional collaboration with Credit, Legal, and Business teams. Committed to leveraging extensive industry knowledge to enhance operational efficiency and support organizational goals.
Overview
13
13
years of professional experience
1
1
Certification
2
2
Languages
Work History
Chief Manager – Corporate Loan Operations (Wholesale Banking)
Poonawalla Fincorp Limited
06.2025 - Current
- Oversee corporate loan & NBFC funding transactions, ensuring smooth disbursement and compliance.
- Review and finalize security & loan documents with Credit, Legal & Compliance Teams.
- Ensure CAM conditions are accurately captured in sanction letters or offer letter and legal agreements.
- Verify adequacy of collateral/security coverage against exposures.
- Draft and review of Wholesale lending Operational SOPs, Identify Process Gaps and coordinate corrective action with internal stakeholder.
- Lead a team, acting as checker while monitoring maker activities for loan processing.
- Responsible for PAN India loan Operation activities for Corporate, NBFC Funding, NCD Funding.
- Liaising with Risk, Legal and Compliance Departments to align on policies, controls and governance mandates as per RBI.
- Supervise MIS monitoring including CERSAI status, ROC charge creation, security perfection & insurance adequacy.
- Guide team on Company's policy and compliance like Pari Passu Letter, Credit Information Report, List of documents and resolve the Audit Queries.
- Immediately update new policies to team and give training to existing and new team member.
Senior Manager – Credit Administration Department (Wholesale Banking)
IndusInd Bank Ltd.
04.2024 - 06.2025
- Responsible for wholesale lending operational activities as documentation, disbursement & regularity reporting for North region.
- Handled preparation & verification of loan and security documents.
- Ensured security creation on movable/immovable fixed assets.
- Conducted pre- & post-sanction reviews to monitor compliance with credit terms.
- Monitored valuation of collateral and flagged shortfalls for redressal.
- Processed term/project loan disbursements including tranches and sanction compliance.
- Managed loan restructuring, repricing, rescheduling, and security releases.
Credit Operations Manager – Non-Retail Department
DCB Bank Ltd.
10.2022 - 03.2024
- Scrutinized sanction notes & prepared sanction letters.
- Drafted and executed facility & security documents.
- Ensured KYC compliance and pre-disbursement checks.
- Created Customer IDs, collateral IDs, and disbursement records in Finacle.
- Managed large corporate includes Construction Finance, Corporate Banking Group, NBFC funding, SME loans and Agricultural lending including monitoring covenants, insurance, revaluations.
- Oversaw CERSAI, ROC charge creation, and audit compliance.
- Responsible for end-to-end loan related operational activities for North Region.
Manager – Credit Administration Department (Wholesale Banking)
Yes Bank Ltd.
04.2018 - 10.2022
- Managed wholesale banking loan operations for North & East regions.
- Handled Working Capital & Term loan disbursements, rollover, and DSRA creation, Loan restructuring.
- Monitoring all transaction as Authoriser which processed by team members within policy and compliance of bank.
- Processed FCNR/IBU loans, NPA recoveries, and restructuring cases.
- Implemented moratorium & OTR restructuring as per RBI guidelines during COVID-19.
- Coordinated with Credit & Business teams to resolve discrepancies and audit observations.
Assistant Manager – Repayment Management Unit
HDFC Bank Ltd.
05.2015 - 03.2018
- Led a team managing loan repayment processes ensuring SLA adherence.
- Prepared MIS dashboards for management reporting.
- Conducted training for new joiners and process knowledge building.
- Ensured timely repayment, policy adherence, and customer satisfaction.
Credit Analyst
Mashreq Bank (via WNS Global Services)
08.2013 - 03.2015
- Processed and analyzed loan & credit card applications.
- Conducted credit analysis & risk assessments to minimize losses.
- Prepared daily/monthly/quarterly MIS reports.
- Ensured compliance with AML & KYC policies.
Education
MBA - Finance & Marketing
Raj Kumar Goel Institute of Technology, MTU University
06-2013
BBA - Business Administration And Management
Institute of Advance Management of Research, CCS University
06-2011
12th -
B R Sarvodaya Boys Senior Secoundry School (CBSE Board)
Shahdara Delhi05-2008
10th -
Shashi Public School (CBSE Board)
Shahdara Delhi05-2006
Skills
Corporate Loans, Construction Funding, SME Funding, Agriculture Funding and NBFC Funding, NCD Funding
Experience in loan and security documentation
Credit administration expertise
Regulatory compliance analysis
Risk assessment and audit management
ROC compliance management
Certification
Critical Thinking
Timeline
Critical Thinking
03-2026
Chief Manager – Corporate Loan Operations (Wholesale Banking)
Poonawalla Fincorp Limited
06.2025 - Current
Senior Manager – Credit Administration Department (Wholesale Banking)
IndusInd Bank Ltd.
04.2024 - 06.2025
Credit Operations Manager – Non-Retail Department
DCB Bank Ltd.
10.2022 - 03.2024
Manager – Credit Administration Department (Wholesale Banking)
Yes Bank Ltd.
04.2018 - 10.2022
Assistant Manager – Repayment Management Unit
HDFC Bank Ltd.
05.2015 - 03.2018
Credit Analyst
Mashreq Bank (via WNS Global Services)
08.2013 - 03.2015
MBA - Finance & Marketing
Raj Kumar Goel Institute of Technology, MTU University
BBA - Business Administration And Management
Institute of Advance Management of Research, CCS University
12th -
B R Sarvodaya Boys Senior Secoundry School (CBSE Board)
10th -
Shashi Public School (CBSE Board)
Achievements & Recognition
Young Leader Award – Yes Bank Ltd. (2022), Spot On Award – Yes Bank Ltd. (2021), One for All, All for One Award – Yes Bank Ltd. (2020), Silver Star Performer – HDFC Bank Ltd. (2016), Star Performer – WNS (2014), Best Cadet (Scout) – Discipline (2004)
Personal Details
- Date of Birth: 29 June 1991
- Marital Status: Married
- Address: Jagatpuri Extension, Shahdara, Delhi – 110093, India.