Vivek Sharma

Operations Associate

Bengaluru, Karnataka, India10 yrs 2 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Over 9 years of banking experience
Expertise in credit underwriting and risk management
Proven track record in reducing NPAs

Stackforce AI infers this person is a Banking Professional with strong expertise in credit underwriting and risk management.

Contact

vs21091@gmail.com LinkedIn

Skills

Core Skills

Credit Risk ManagementBranch BankingCredit UnderwritingFinancial AnalysisOperations ManagementRetail Banking

Other Skills

AccountingAdministrationAnalytical SkillsBranch AdministrationChannel SalesCommercial CreditCommunicationCredit AnalysisCustomer AcquisitionCustomer Relationship Management (CRM)Customer SatisfactionFinancial AdvisoryInside SalesInvestmentsKey Account Management

About

Strategic and results-driven banking professional with over 9 years of experience, currently serving as Manager & Branch Head at State Bank of India. Holds an MBA in Finance from NMIMS (2024). Expertise in credit underwriting, financial statement analysis, retail & SME banking, and risk management. Proven ability to lead branch operations, manage credit portfolios, reduce NPAs, and ensure compliance. Strong interpersonal skills with a data-driven approach to decision-making and client engagement.

Experience

State bank of india

3 roles

Manager

Promoted

Apr 2025 – Present · 11 mos · On-site

Lead branch operations, credit processing, deposit mobilization, and customer service functions.
Underwrite and approve a variety of loan proposals including CC/OD, Term Loans, Agri Loans, and Mudra Loans.
Analyze borrower financials, assess repayment capacity, and recommend appropriate risk-mitigated credit limits.
Supervise a team of banking professionals, ensuring compliance, productivity, and customer satisfaction.
Maintain strong asset quality by closely monitoring delinquency, initiating corrective actions, and leading recovery efforts.
Ensure full compliance with internal policies and RBI regulations; successfully managed internal and external audits.

Customer Relationship Management (CRM)Mortgage UnderwritingAdministrationCredit Risk ManagementBranch Banking

Deputy Manager

Promoted

Apr 2021 – Mar 2025 · 3 yrs 11 mos · On-site

Managed SME and Retail credit underwriting, including Working Capital, Dealer Financing, and Asset-Backed Loans.
Performed detailed credit appraisals based on financial statements, credit scores, industry outlook, and collateral.
Monitored account behavior and proactively adjusted credit terms for at-risk borrowers.
Led account collections and reconciliations, minimizing bad debts through effective recovery strategies.
Collaborated with zonal teams for reporting, budgeting, and credit performance analytics.

Commercial CreditMortgage UnderwritingCustomer Relationship Management (CRM)Credit AnalysisBranch BankingFinancial Analysis+1

Assistant Manager

Nov 2016 – Mar 2021 · 4 yrs 4 mos · On-site

Joined as Probationary Officer and had Rotational exposure to various banking verticals with a focus on core operations, compliance, and customer service.
Trained extensively in Retail, SME, and Agricultural lending processes.
Handled front-line client servicing, KYC compliance, and operational controls.

Operations ManagementBranch AdministrationRetail BankingRegulatory CompliancePeople Management

Honda motorcycle & scooter india pvt. ltd.

Production Executive

Jul 2014 – Jul 2015 · 1 yr · Greater Bengaluru Area · On-site

● Implemented quality improvement changes to minimize product defect rates.
● Directed manufacturing process and operational efficiency procedures to achieve goal of first run capability.

TeamworkLeadership