S P MISHRA

Mobile + 919415211328, Phone (Office)+ 91 551 2323416, (Resi) +91 551

2203509
Fax +91 551 2323413
E-mail shive.mishra@sbi.co.in , shivemishra@gmail.com
web http://www.spmishra.8m.com , http://www.shivemishra.s5.com
A challenging, performance oriented professional Banker
holding senior position in State Bank of India, the largest and most
trusted Bank in India.
PROFESSIONAL SYNOPSIS
 A veteran in the field, with wide and rich experience of 22 years in
various positions in all the spheres of Banking. Presently working
as Regional Manager controlling 53 branches of State Bank of
India.
 Result oriented team leader with a proven track record who has
established himself as a star performer.
 With proactive, enthusiastic and dedicated approach has earned a
number of rewards, recognition and appreciation for profitability,
business development, cross selling, NPA management and
efficient administration.
 Significant exposure in Corporate, Retail & Personal, Agriculture
and International Banking.
 Achieved distinct recognition in credit management and risk
mitigation.
 As an IT Head, earned appreciation in migrating branches to Core
Banking Solution CBS).
 Excellent track record of ATM management and popularizing
Internet Banking and other technology products.
 Remarkable contribution in Budgeting, Planning, Performance
Monitoring and MIS.
 In depth knowledge of Practice & Law of Banking and legal aspect
affecting Banks.

CORE COPETENCIES
CREDIT MANAGEMENT:
 Appraisal, assessment, evaluation and sanction of high value
advances.
 Credit risk and operational risk assessment and management
 Documentation and risk mitigation
 Credit audit and statutory compliance
 Relationship banking and marketing of asset & liability
products to both corporate and retail borrowers. Tie up with
 auto dealers and builders and institutions / Govt. departments
for retail products.

OPERATIONAL MANAGEMENT :
 Ensuring operational efficiency and risk management.
 Legal & statutory compliance and Audit functions.
 Team building and ensuring smooth industrial relation.
 Excellence in customer service and strengthening grievances
redressal mechanism

INTERNAYIONAL BANKING & FOREX

 Management of sell /purchase of forex and improving margins
 Optimum profitability through LCs/ BGs, collection and bill
business forward contract, and foreign currency loans.
 NRI deposits and inward foreign remittance

GENERAL BANKING AND LIABILITY PRODUCTS

 Increasing customer base in order to push deposits
 Improving profitability through increase in CASA (cost free/
low cost) deposits, remittances, collection and other ancillary
services.

INDURANCE AND MUTUAL FUND PRODUCTS

 Added advantage of marketing of insurance and mutual fund
business
 Received a number rewards and recognition for business
development.

BUSINESS GOALS AND PROFITABILITY

 As a good leader, trainer and mentor, always ensure team
spirit and goals and objectives of the organization.
 Long exposure to run units / profit centres independently
ensuring budgeted income and profit.

PROFESSIONAL EXPERIENCE

RESPONSIBILITY / DESIGNATION LOCATION /

KEY & OFFICE ADDRESS
PERFORMANCE PERIOD
AREA
1 Regional Regional Manager State Bank of India
Head of 31.08.2009 till date Regional Business
Gorakhpur Office I
Region Administrative Office
 having 53 Gorakhpur
branches /
Units

• As a Regional Head responsible for smooth running of 53 Branches/

Units in Gorakhpur Region.
• Key performance areas - Profitabilty, business development, Cross
selling and customer bonding.
• Business comprises of Deposits, Advances, Insurance (both Life &
General), Mutual funds, business & work for State and Union
Government, Miscellaneous business and Services for a variety of
business. Also working on behalf of Reserve Bank of India as per
their need.
• Human resource comprises of 7 Chief Managers (Senior
Management), 40 Managers/ Dy Managers (Middle Management)
and 40 Asstt Managers (Junior Management) and more than 500
front line and back office Staff.

2 Over all Assistant General State Bank of India

Responsibili Manager Gorakhpur Main
ty of Dec’06 to Aug’09 Branch
entire (2 ½ years) Gorakhpur
Banking
operations
of a very
large size
Branch
o Posted as Assistant General Manager and heading a very large
size Branch of State bank of India at Gorakhpur.
o The branch with deposits and advances base of more than Rs
1800 Cr as on 31.03.2009 (Deposits Rs 1300 Cr and advances Rs
540 cr) and team of 160 employees, which includes 25 senior and
middle level Officers. This state of the art branch is a CBS (Core
Banking Solution) branch having almost all the Banking products
backed by latest technology and is known as biggest financial
super market of eastern U.P. The branch has more than 60000
customer accounts and broadly covers Corporate, Mid Corporate,
Small Scale Industries, Retail & International Banking, NRI and
Govt. business.
o The Branch provides total Banking Solution to the big Government
organizations like Employees Provident Fund, Employees State
Insurance, National Fertilizers, Distt. Rural Development
Agencies, District Authorities, Health and Education Departments
of Govt of U.P. besides providing cash management solution to
Indian Oil Corpn., Hindustan Petroleum, L&T, and Bharat
Petroleum etc.
3 Information Chief State Bank of India
Technology : Manager (IT) Zonal Office
Networking, Core Jul’05 to Kanpur
Banking Solution, Mar’07
Internet Banking ( 2 Years)
and ATM
Management
o Worked as IT-Head of Kanpur Zone and arranged migration of
200 branches on CBS (Core Banking Solution) plate form.
o With a strong & dedicated team of 50 officers comprising Project
Officers, Programmers, Support officers, core responsibility areas
were procurement of hardware, arranging infrastructure like
ISDN, leased lines , V-Sat etc, preparation and purification of
data, networking, migration of branches on new plate form and
providing hand holding support for smooth functioning of
branches.
o The other important area of responsibility was installation of new
ATMs and maintenance. My key role was to monitor the hit rate,
availability and issuance and activation of ATM cards. The job
required constant liaison with vendors..
4 Credit Management & Chief State Bank of India
Risk Mitigation and Manager Zonal office
Business (Loan & Kanpur
Development...Assets, Advances)
Liability, Insurance and Jan’2003 to
Mutual Jun’2005
Fund products (2 -1/2 years)

o Worked as Chief Manager (Advances / Credit Management)

under Zonal office Kanpur and was responsible for credit
portfolio of 41 branches situated in different locations in
metro, urban, semi-urban and rural areas of four districts.
o My key responsibility areas were business development,
processing of high value proposal, sanction and monitoring of
advances’ portfolio of the Bank in the Region.
o I was frequently visiting branches, guiding them in sanction,
supervision and follow up, meeting with valuable customers,
organizing farmers, traders and other customers meet,
identifying cluster for credit delivery and meeting with District
and other Government functionaries for mobilizing funds.
o The most important area of my assignment was to prepare
branches for different type of audits viz Inspection and Audit
(an internal audit conducted by corporate centre), Statutory
Audit, Credit Audit, Income Audit, Spot Audit, RBI and Govt.
Audit.
o I was also responsible for NPA management and recovery of
 overdue. The role also included initiation of legal action and
monitoring of lawsuits pending in different courts /Tribunals.
5 Information Technology: Manager State Bank of India
Data Processing/Warehousing (Data Processing Local Head Office
/Mining, MIS Centre) Lucknow
Jan’2000 to
Dec’2002
(3 years)
o Key responsibility area was to execute a large number of data
and technology projects.
o The department requires to procure the data of different
operating units, process, analyze and distribute for decision-
making process
o To preserve data for future reference.
o To present data to top management in respect of vital areas.
6 Budget, Manager State Bank of
Planning and Apl’1997 to India
Performance Dec’1999 Local Head Office
Monitoring (< 3years) Lucknow
o The main area of responsibility was preparation of Budget for
business and profitability of the Circle consisting of more than
1000 branches and offices in U.P. /Uttranchal.
o Formulation of Policy Guidelines for the Zonal Offices /
Branches and other Offices.
7 Branch Management, Branch Manager State Bank of
business Development, Sep’94 to Mar’97 India
Credit and NPA (2 ½ Years) Narecha
Management, Fatehpur

o The branch was a chronic loss-making branch, which was turned

around by me.
o The inspection and audit rating of the branch was improved to
“Efficiently Run” which is the highest rating of a SBI branch.

8 Credit Asstt. Manager-In State Bank of

Management charge (Advances/ India
Big Corporate Forex ) Lal Imli Branch
Accounts Aug’89 to May’92
FOREX (<3 years)
o Worked as a Field Officer and was primarily responsible the
portfolio of British India Corporation (the famous brand Lal
Imli & Dhariwal) which was around 100 crores.

Training in different areas of Management Trainee / Officer

banking both branch and Aug’1987 to Jul’1989
 Institutional (2 years)
o During two years probation period in State Bank of India, I was
given training in all the areas of banking, finance, economy,
human relation, technology, management, customer relation and
behavioral science.

PROFESSIONAL TRAINING AND MANAGEMENT

DEVELOPMENT

o IIM LUCKNOW: Sponsored by the Bank to IIM Lucknow for

“Leadership programme for top executives”.

o LAL BAHADUR SHASTRI INSTITUTE OF MANAGEMENT

LUCKNOW: Sponsored by the Bank to attend a “programme
on dealing with problem people”.

o STATE BANK INSTITUTE OF COMMUNICATION AND

MANAGEMENT HYDERABAD: Deputed by the bank for
“Technology Orientation Programme” which was completed
in 7 phases of one week each spreading one year period,
covering all important IT issues for senior management
functionaries.

o STATE BANK ACADEMY GURGAON: -Deputed for

“Financial Management Programme for senior management
conducted in association with IMS. Also attended
programmes on High value advances, Management
development programme, programme on International
Banking and forex

o STAFF COLLEGE HYDERABAD : Deputed for ‘Executive

Development Programme’ , Programme on Treasury & Risk
Management’ and “programme on Branch Management”

o STATE BANK INSTITUTE OF RURAL DEVELOPMENT

HYDERABAD: Deputed for “Micro Financing & Rural
Development”, “Programme for Agriculture and Allied
activities”, and Programme on high value Agl projects”
Academic Qualification • First Class Science
Graduate with 68 %
marks
• CAIIB from Indian
Institute of Banking
and Finance, Mumbai
• PG Diploma in
Management from
AIMA New Delhi
• CIF from IRDA,
Hyderabad
Date of Birth January 8, 1959
Area of Interest -Writing blog
-Mentoring
-Professional networking
-Writing Poems /articles
which are published news
papers and magazines
Languages known Hindi, English & Sanskrit
Martial Status Married
Address for Communication D-3, HIG, Charu Chandra
Puri
Near CantonementThana
Gorakhpur –273001
U.P. INDIA
Place : Gorakhpur Shive Prakash Mishra