1. e-mail: dreamz.shilpi@gmail.com Mob: +971-563199826
SHILPI
KUMARI
MBA (Finance); 6 years in Commercial Banking
Experience in State Bank of India, Bank of Baroda and Ernst & Young
Expertise in Credit Analysis, Project Finance & Risk Management
HIGHLIGHTS
CAREER PROGRESSION (Details on Page 2)
ACADEMIC PROGRESSION
BEYOND ACADEMICS
e-mail: dreamz.shilpi@gmail.com
Mob: (+971) 563 199826
Currently residing in Dubai, UAE
LinkedIn : http://tinyurl.com/Shilpi85
EXPERIENCE LEADERSHIP RESULTSSKILLS
- Over 6 years in banking,
including ~ 5 years with India’s
oldest & largest bank State
Bank of India
- Experience across multiple
facets of banking, esp. credit
risk analysis
- Was custodian of 52 Medium
enterprises with advances over
1 Billion USD
- Head of a medium sized branch
in an emerging township of Navi
Mumbai
- Member of core Regional
Leadership Team, with special
focus on business development
- Extensive people management
experience. Presently, heading a
team of 1 officer& 6 clerical staff
- Expert in entire credit cycle
management incl. appraisal of
credit proposals, P&L analyses
and due diligence
- Strong at customer relationship
management, with focus on
‘expectation management’
- Quick learner and positively
adaptable to changing scenarios
- 100 / 100 consistent and
flawless performance in
employee appraisal for
consecutive three years
- Represented SBI as a speaker
at National Workshop for
Female Entrepreneurs 2012
- Received Supersonic Million
Dollar Round Table (MDRT)
Award for FY12
KEY ACHIEVEMENTS
- Received scholarship worth INR 80, 000 for distinctive and consistent
academic performance (among top 5%)
- Shortlisted for the final round in the prestigious J P Morgan Chase GLOBAL
Scholarship after three rounds of screening; finished as 1st
Runner-Up
- Scored 99.99%ile in the All India Management Aptitude Test (MAT) 2007
- Adjudged 1st
Runner-Up in Deloitte Business Valuation Case Study Contest
organized by Financial Advisory Services, Deloitte at Hyderabad. Was
selected from over 35 applicants in the first round.
- School topper in ICSE – 2001; Represented school in state level Science and
Mathematics Olympiads
- Selected as a SBI Management Executive by being in top 0.1% of over
5,00,000 aspirants across the country
Organized Blood Donation Camps
Social and environmental awareness campaigns during graduation and MBA
Conducting free classes for the under-privileged students of locality since last 8 years
Creative writing – daily diary and few short poems
Commendation certificate for Essay writing from the leading journal - Competition
Success Review
STATE BANK OF INDIA Scale II Officer, Mumbai
- Branch Head, Kalamboli, Navi Mumbai (March 2014 – Current)
- Deputy Relationship Manager, ME Credit & Project Finance, Commercial Branch,
Vile Parle, Mumbai (April 2011 – March 2014)
- Various rotational assignments and cross-functional trainings as Management
Executive (April 2010 – April 2011)
BANK OF BARODA Scale I Officer, Lucknow
- Officer, SME Credit, SME Loan Factory (June 2009 - March 2010)
ERNST & YOUNG Summer Intern, Kolkata
- Intern, Transactions Advisory Services (March 2008 - May 2008)

2. e-mail: dreamz.shilpi@gmail.com Mob: +971-563199826
STATE BANK OF INDIA Scale II Officer, Mumbai Circle
Key Positions held:
- Branch Head, Kalamboli, Navi Mumbai (March 2014 – Current)
- Deputy Relationship Manager (ME Credit), Vile Parle, Mumbai (April 2011 – March 2014)
- Management Executive, Mumbai Circle (April 2010 – April 2011)
Responsibilities in SBI:
Current:
 Chief Officer responsible for the branch’s day-to-day administration, operations and business development
 Lead, manage and coach a team of 1 officer & 6 clerical staff to enhance their efficiency & drive profit for branch
 Marketing and promotion of banking products & services and liaison with local chambers of commerce, development agencies & other
business bodies to develop SBI’s visibility
 Facilitate timely and smooth conduct of Statutory Audit and bank’s internal audit to ensure compliance and asset quality.
 Part of Regional Leadership Team for policy compliance & strategy execution, reporting to Regional Business Head
 Mobilize deposits, generate SME advances and Cross Sell SBI Mutual Fund, SBI LIFE, SBI General Insurance products etc. and promote internal
& external adoption of next generation banking channels like POS, ATM, Internet & Mobile banking
Previous:
 Deputy Relationship Manager responsible for prompt service delivery, all-round credit solutions to HNI clients, execution of security
documents and proactive support to Relationship Manager (Medium Enterprises)
 Appraisal of Credit Proposals based on financial statement analyses, due-diligence and market intelligence
 Informed periodic evaluation of accounts viz. their business performance through timely renewals & review, working on ad-hocs, regular site
visits to ensure asset quality and safeguard stakeholders’ interests
 Custodian of 52 Medium Enterprises with total advances portfolio of INR 750 Crores, with timely conduct of internal, RBI & Statutory Audits
 Compliance with Bank’s Loan Policy Guidelines & Reserve Bank of India’s KYC Policy to mitigate risks, maintain organizational standards and
safeguard operational & transactional integrity
 Counsel and market bank’s products & services to customers and explore opportunities for cross-selling
 New Business development & enhancement of credit limits for existing customers to exceed revenue targets
 Lead Banker role in a multiple banking arrangement / Consortium Finance
 People Management for 5 subordinates to ensure smooth day-to-day operations in Commercial Branch, Vile Parle
Certifications:
 Certified Insurance Facilitator (CIF) by the Insurance Regulatory and Development Authority (IRDA)
 JAIIB and CAIIB certifications by the Indian Institute of Banking & Finance (IIBF)
 Certified as a Mutual Funds Advisor by the Association of Mutual Funds in India (AMFI)
Key Achievements:
 100 / 100 consistent and flawless performance in employee appraisal for consecutive three years
 Represented SBI as a speaker at multiple forums including National Workshop for Female Entrepreneurs organized by FICCI
 Part of the core team of Vile Parle commercial branch which has been consistently A rated for last three years
 Award for Supersonic Million Dollar Round Table (MDRT) FY2011-12 for the rare feat of facilitating 35 Lacs INR of policies in 3 months
BANK OF BARODA Officer, Credit, SME Loan Factory (June 2009-March 2010)
 Project appraisal and Due Diligence of proposals for credit facilities to Small & Medium Enterprises in Lucknow region.
 Financial Statement Analysis and Credit Rating to assess risk and factor in risk mitigation measures
 Assessment of borrower creditworthiness using market feedback, site inspection and personal interaction
 Co-ordination with external valuation experts, advocates, financial consultants & TEV counselors
 Experience with a wide range of SME sectors and various modes of debt financing
 Credit Analysis and Processing of over 15 proposals worth Rs.32.70 Crores for sanction in mere 4 months
ERNST & YOUNG Summer Intern, TAS, Kolkata (March 2008-May 2008)
 Full Time Internship for three months in Transactions Advisory Services Division of Ernst & Young India Ltd.
 The primary internship project was on understanding various cost elements required for hospital infrastructure
 Scope of work included an estimation of the numerous tariffs involved in the healthcare sector. The numbers constituted the key assumptions
for building financial models to come up with similar projects under PPP and provided core parameters to arrive at costing during tenders.
 The project involved real time data collection and direct interaction with leading medical personnel
 Apart from the above, was also involved in the following projects:
o Research paper on PPP in Urban Infrastructure in India. It included an analysis of the performance of different sub sectors within
the domain of Urban Infrastructure vis-à-vis the global benchmarks
o Detailed proposal plan for a major international project “Strengthening the Management of Contingent Liabilities in BOT Projects in
Philippines”
o Investment Model based for a PPP investment by Bangalore Metropolitan Transport Corporation, incl. P&L and future projections
Key Achievements:
 Received “Excellent Performance” certification & Pre-Placement Offer for internship, adjudged by the top management.
PROFESSIONAL DETAILS
INTERNSHIP