Sharada Shilvant

Accomplished Banking Operations Specialist with 10 years of core experience spanning Retail Branch Operations, Service Delivery Management, Cash Authorization, Clearing, and KYC/AML Compliance across top institutions including Kotak Mahindra Bank and RBL Bank. Holds an MBA in Finance with deep hands-on expertise in core banking software (Finacle, Siebel), regulatory reporting, and internal/external audits. Returning to the corporate workforce after an 8-year planned family leadership break, fully upskilled in modern digital banking workflows, MIS reporting (Advanced Excel), and operational AI productivity tools.

Seeking middle-management roles in Banking Operations, Process Excellence, Risk & Compliance, or GCC Operations.

Family Leadership & Professional Upskilling - Bangalore, India

(2018-08)

Career Break

• Stepped away from full-time corporate employment for planned primary caregiving and family leadership.
• Maintained active engagement with financial sector updates, digital payment ecosystems (UPI, CBDC), and RBI regulatory changes.
• Completed practical upskilling in Advanced Excel for MIS reporting and Generative AI applications (ChatGPT, Copilot) for streamlined business workflows and SOP creation.

Deputy Manager – Service Delivery Officer (SDO) - Kotak Mahindra Bank Ltd - Dharwad Branch

(2017-04 - 2018-08)

• In-charge of overall front-office operations and acted as backup for the Branch Operations Manager (BOM) for day-to-day operations, compliance, and audit part.
• Authorized cash transactions, cheque books, debit cards, and handled locker operations in strict adherence to bank policies.
• Prepared Daily, Weekly, Fortnightly, and Monthly regulatory alerts and compliance reports for head office and regulatory bodies.
• Resolved customer complaints, escalations, and grievances received via Siebel CRM within defined Turnaround Time (TAT).

Assistant Manager – Service Delivery & Operations - RBL Bank Ltd - Hubli Branch

(2013-07 - 2017-04)

Promoted from Clearing Officer to Operations Officer & Asst. Manager

• Managed end-to-end inward and outward clearing processes, RTGS/NEFT transfers, DD issuances, and account reconciliations.
• Handled Micro Banking operations including loan disbursements, Bank Guarantees, BRS, and ECS processing.
• Monitored daily Office Accounts GL, TOD control returns, Suspense Accounts, and Cash Retention Limits.
• Verified account opening forms (Savings, Current, FD) for KYC compliance, ensuring high First-Time-Right (FTR) accuracy.
• Led monthly branch audit preparation, ensuring zero-defect compliance standards.

Operations Executive - Reliance Life Insurance Co. Ltd - Dharwad

(2007-08 - 2010-01)

• Managed branch operations, cash/petty cash handling, advisor commission disbursements, and bank reconciliations.
• Executed underwriting quality checks, policy servicing, new business logins, and policy document dispatch.
• Maintained branch audit readiness for both internal and external statutory audits.

Executive – Back Office Operations - PNB Principal Advisory Co. Ltd - Hubli Region

(2006-07 - 2007-08)

• Coordinated operational workflows across 66 Vijaya Bank branches in Hubli region for insurance products.
• Managed monthly premium/commission billings and brokerage recovery across 28 partner insurance firms.

Operations Coordinator / Financial Consultant - IDBI Bank - Dharwad

(2004-12 - 2006-06)

• Processed SB/CA account opening forms, Mutual Funds, Fixed Deposits, and Debit Card issuances.
• Managed cooperative bank cheque entries, inward/outward registers, and marketing team MIS performance tracking.

Master of Business Administration (MBA) - Finance - IGNOU, Dharwad (2010)

Bachelor of Business Administration (BBA) - Karnataka University, Dharwad (2004)