shruti sharan
@shrutisharan
BFSI consultant specializing in retail loan operations, credit appraisal, and process improvement.
What I'm looking for
I am a banking and BFSI professional with 6+ years of experience across retail banking operations, credit & lending, asset management, recovery, and customer enablement within a PSU banking environment.
I have strong expertise in loan lifecycle management, credit appraisal, SOP documentation, process improvement, and stakeholder coordination, and I consistently support management decision-making through structured analysis.
As an experienced individual contributor, I have a proven track record of improving TATs, resolving complex operational issues, strengthening audit outcomes, and achieving notable results such as the highest NPA settlement by value in my region.
I hold certifications including JAIIB and NISM, completed a certification in Data Science, and seek remote or hybrid roles where I can apply my operations, compliance, and training strengths to drive measurable improvements.
Experience
Work history, roles, and key accomplishments
Assistant Manager - Banking Operations
IDBI Bank Ltd.
Jan 2017 - May 2023 (6 years 4 months)
Managed retail banking and asset management operations, overseeing loan appraisal and proposal processing while ensuring TAT and RBI compliance; achieved highest regional NPA settlement value in 2019 and improved audit ratings and customer satisfaction.
Education
Degrees, certifications, and relevant coursework
Manipal Academy of Higher Education
Master of Business Administration, Banking & Finance
Grade: CGPA 9.18
Completed an MBA in Banking & Finance with strong academic performance (CGPA 9.18).
Manipal University
Postgraduate Diploma, Banking & Finance
Grade: CGPA 9.1
Completed a Postgraduate Diploma in Banking & Finance with high academic standing (CGPA 9.1).
Indira Gandhi National Open University
Bachelor of Science, Fashion Merchandising & Retail Management
Completed a Bachelor of Science in Fashion Merchandising & Retail Management.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Job categories
Skills
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