Shikha Malik

Versatile professional with expertise in banking, project management, product development, and data-driven strategies. Skilled at integrating banking knowledge with strategic project execution and data-driven product innovation. Proven track record in managing complex projects and optimizing operations.

Work Experience

Live Project | Consulting |Persistent Systems

  • Developed consulting offerings and delivered comprehensive sales enablement materials for Generative AI use cases in SDLC  that effectively communicate key differentiators and value propositions
  • Designing strategies for AI-driven transformation in the Software Development Life Cycle (SDLC) through tools such as SASVA, aligning AI solutions with measurable improvements in engineering productivity and operational efficiency
  • Collaborate with consulting leaders and SMEs from Persistent to offer actionable insights and clear frameworks for adopting AI solutions, ensuring streamlined implementation and measurable results

 

Product Management Intern | Omniful 

  • Interned at Omniful, a B2B SaaS platform focused on real-time inventory management, defining product vision and strategy based on customer insights.
  • Led feature enhancements, which resulted in a 15% increase in customer retention through targeted improvements.
  • Collaborated with cross-functional teams to establish release criteria, boosting customer acquisition by 12%

 

Deputy Manager| State bank Of India | Delhi 

  • Effectively managed a credit portfolio of INR 175 Cr., demonstrating exceptional skills in credit risk management, proactive monitoring, and strategic decision-making to maintain a commendably low NPA ratio of 0.6%.
  • Demonstrated exceptional leadership by rehabilitating 50+ COVID-19-impacted MSME businesses through rapid sanctioning of credit facilities. Led a team of 2 to source and underwrite these facilities with an impressive 1-day Turnaround Time (TAT)
  • Skillfully executed customer outreach campaigns and financial literacy initiatives, resulting in the successful enrollment of 2000+ clients onto the Indian Government's social security schemes
  •  Led comprehensive training on digital banking products and risk management for 60+new hires, boosting team productivity by 25%
  • Leveraged in-depth client relationships and a deep understanding of customer needs to develop and customize SME loan packages, resulting in a 20% increase in loan uptake. This tailored approach strengthened client loyalty and ensured that offerings were aligned with specific client business requirements.
  • Achieved a 15% reduction in marketing costs by implementing a CRM-driven targeted acquisition strategy. This approach enhanced overall efficiency and improved lead conversion rates by 20%, optimizing resource allocation while maximizing customer engagement.
  • Collaborated closely with product development teams to introduce greater loan flexibility, enabling customized repayment structures and terms. This strategic enhancement increased repeat business by 25% among commercial clients, fostering long-term client relationships and reinforcing brand loyalty.
  • Spearheaded a comprehensive omni-channel approach for the e-finance division, optimizing customer touchpoints across mobile, web, and branch services. This initiative led to a 40% surge in digital engagement, making financial services more accessible and convenient for clients through their preferred channels
  • Utilized persona mapping and launched tailored marketing campaigns to expand the client base in underpenetrated market segments, resulting in a 20% growth in portfolio size. This targeted strategy allowed for better market penetration and captured a broader audience of potential clients.
  • Launched data-driven cross-selling campaigns focused on bundled financial products, such as insurance and investment products, achieving a 30% increase in sales. This initiative maximized revenue from existing clients and provided them with comprehensive financial solutions.
  • Conducted in-depth market research to uncover customer pain points in the MSME lending sector, informing feature prioritization and shaping the product roadmap, which resulted in a 15% increase in adoption
  • Facilitated the sanctioning of ₹25 crore in sustainable finance products to support environmentally responsible projects, including renewable energy, waste management, and eco-friendly initiatives, fostering green economic growth

 

Assistant Manager | State Bank Of India | Delhi                            .

  • Successfully transitioned over 750 customers to the SME Digital Business Loan portal, significantly enhancing digital adoption by 30%. This migration streamlined workflows, reducing manual processing time by 20% and enabling faster, more efficient service delivery for SME clients.
  • Successfully managed all facets of branch operations, serving a clientele of over 20,000, with a focus on maintaining exceptional customer relationships
  • Evaluated start-up ideas for Start-up Business Loan Scheme by conducting in-depth financial analysis, market research, and feasibility studies, including an evaluation of trends, regulatory compliance, and site inspections
  • Spearheaded targeted marketing initiatives to engage over 10,000 rural clients, increasing engagement with agricultural solutions by 30% and driving adoption across key regions through tailored outreach strategies.
  • Executed comprehensive go-to-market strategies for retail loans, utilizing omnichannel engagement to boost portfolio growth by ₹30 Cr, effectively reaching customers through multiple touchpoints for greater impact.
  • Established partnerships with educational institutions, designing tailored marketing approaches that led to a 20% increase in loan applications, expanding reach among younger demographics and educational sectors.
  • Led a team of 10 in driving ₹50 Cr in branch sales by implementing strategic initiatives and enhancing cross-selling efforts, fostering a collaborative environment focused on meeting and exceeding sales targets.
  • Successfully onboarded 300+ vendors for the SBI e-Vendor Finance program, expanding the digital financing network and significantly increasing adoption across key industrial sectors.
  • Managed segmented campaigns tailored to customer journey stages in the retail loan sector, resulting in a 10% increase in application completion rates by aligning marketing efforts with customer needs at each stage
  • Leveraged client relationships to tailor SME loan packages, boosting loan uptake by 20%. Reduced marketing costs by 15% through CRM-driven targeting, improving lead conversion by 20%. Collaborated with product teams to add loan flexibility, driving a 25% increase in repeat business among commercial clients.   
  • Enhanced digital engagement by 40% using an omni-channel e-finance strategy across mobile, web, and branch services. Expanded client base in underpenetrated segments via persona mapping and targeted campaigns, achieving 20% portfolio growth.         
  • Launched data-driven cross-selling initiatives, resulting in a 30% increase in bundled product sales, including insurance and investments.

 

Associate design Engineer II | Fluor Daniel India | Delhi

  • Developed 3D model of the project and independently issued 250 drawings for fabrication in Northwest RedWater Project (project worth $1 bn).
  • Utilized Fluor’s Business Risk Management Framework (BRMF) for comprehensive risk analysis in KIPIC Al-Zour Project, Kuwait
  • Realized a time saving of more than 10,000 effort hours by automating work processes resulting in a drastic 75% reduction in replication work
  • Led procurement activities for piping materials, coordinating with vendors to ensure timely and cost-effective deliveries, which reduced material delays by 20% on high-value projects
  • Worked closely with cross-functional teams in engineering, procurement, and construction, resolving 95% of inter-disciplinary issues proactively and contributing to smoother project handovers
  • Conducted rigorous quality checks and ensured adherence to industry standards (ASME, API) in all designs, achieving a 100% compliance rate in third-party audits across multiple projects
  • Implemented optimised digital workflows, cutting documentation processing times by 30%, which enabled faster approvals and reduced bottlenecks in project execution
  • Contributed to Fluor’s talent development by training new engineers on best practices in piping design and material management, resulting in a 15% improvement in team productivity and capability
  • Developed project execution strategy and successfully orchestrated smooth transfer of work for KIPIC Al-Zour project (worth $6 bn) from Fluor's Amsterdam office to New Delhi office and efficiently synchronized operations between two offices
  • Led Client model reviews with Fluor Al Karaana Petrochemicals Complex , Qatar Petrochemicals for a $ 25.8 Mn project to demonstrate conformance on all project related milestones
Accomplishments
  • Awarded the prestigious entry scholarship for the PGPX 2023-24 batch at IIM Ahmedabad, in recognition of a distinguished professional profile and significant career achievements 
  • Led a team to the AWIM (A World In Motion) International Olympics in Detroit, securing the "Best Team Award" in 2012. Demonstrated strong leadership, strategic problem-solving, and collaboration skills on an international platform
  • Awarded by Sheila Dikshit, Hon. CM of Delhi, for leading efforts that secured a win in the Cost Event Category at SAE National 2011, demonstrating expertise in cost optimization and strategic financial planning in a competitive engineering context
  • Directly promoted to Deputy Manager (Fast track promotion) for exemplary performance at State Bank of India
  • Achieved AAA rating (Top 10% in cohort) for performance for Credit Assessment in FY 20-21 and 21-22 at SBI 
  • Awarded the Hugh Coble Project Excellence Award at Fluor for delivering "Best in Class" FEED Solution, 2015
  • Awarded 0.01% Certificate of Excellence by CBSE Board for exceptional performance in class Xth Board
Education

B.Tech (Mechanical and Automation), Indira Gandhi Institute of Technology 

Certificates
  • Artificial Intelligence Foundations: Thinking Machines 
  • PMP training course,Simplilearn
  • Lean Six Sigma, KPMG                                                                                                                   
  • MSME & Working Capital Lending, CRISIL 
  • Certificate in Commercial Credit, Moody’s
  • Product Management ,IBM
  • FinTech: Foundations, Payments, and Regulations
Co/Extra-curricular
  • Elected Member Of Election Committee for IIMA PGPX (elected 5 among 158 members) or PGPX Class of 2023-24, IIMA - College Level
  • Led a 25-member publicity team for Xebec, IGIT’s annual cultural fest, executing targeted promotional campaigns that increased event attendance by 40% and secured multiple sponsorships, enhancing the festival’s visibility and engagement across campus and digital platforms
  • Fluor University Ambassador: Recognized with a Certificate of Appreciation for promoting Fluor’s learning and training tool as part of a 22-member volunteer team. Conducted a study on diverse work cultures across Fluor offices, managed talent development meetings, delivered presentations, and increased employee engagement with internal resources.
  •  Award-Winning Debater and Speaker: Secured multiple victories in debate and speech competitions throughout academic life, recognized with the "Best Speaker" award at the zonal level, demonstrating strong persuasive communication and public speaking abilities.
  •  GAP Initiative Volunteer: Led efforts to bridge the professional gap for young professionals at Fluor by developing a series of leadership sessions featuring global guest speakers. Spearheaded a revamp of the rotational training program for 150 graduates and pioneered an alumni connect program, strengthening initiative branding and fostering leadership development.
  •  GROW Representative: Actively promoted gender equality and visibility for female role models within Fluor as part of the GROW initiative. Authored articles, conducted senior leadership interviews, coordinated GROW-India’s book club, and established communication platforms to foster community dialogue and engagement

Quick Look

  • Work Experience: 10.5 Years
  • Previous Roles

    Deputy Manager, State Bank of India

    Associate Design Engineer 2, Fluor Daniel

  • Function : General Management
    Project/Program Management
  • Industry/Sector: BFSI
    Energy & Utilities
Work Experience

Live Project | Consulting |Persistent Systems

  • Developed consulting offerings and delivered comprehensive sales enablement materials for Generative AI use cases in SDLC  that effectively communicate key differentiators and value propositions
  • Designing strategies for AI-driven transformation in the Software Development Life Cycle (SDLC) through tools such as SASVA, aligning AI solutions with measurable improvements in engineering productivity and operational efficiency
  • Collaborate with consulting leaders and SMEs from Persistent to offer actionable insights and clear frameworks for adopting AI solutions, ensuring streamlined implementation and measurable results

 

Product Management Intern | Omniful 

  • Interned at Omniful, a B2B SaaS platform focused on real-time inventory management, defining product vision and strategy based on customer insights.
  • Led feature enhancements, which resulted in a 15% increase in customer retention through targeted improvements.
  • Collaborated with cross-functional teams to establish release criteria, boosting customer acquisition by 12%

 

Deputy Manager| State bank Of India | Delhi 

  • Effectively managed a credit portfolio of INR 175 Cr., demonstrating exceptional skills in credit risk management, proactive monitoring, and strategic decision-making to maintain a commendably low NPA ratio of 0.6%.
  • Demonstrated exceptional leadership by rehabilitating 50+ COVID-19-impacted MSME businesses through rapid sanctioning of credit facilities. Led a team of 2 to source and underwrite these facilities with an impressive 1-day Turnaround Time (TAT)
  • Skillfully executed customer outreach campaigns and financial literacy initiatives, resulting in the successful enrollment of 2000+ clients onto the Indian Government's social security schemes
  •  Led comprehensive training on digital banking products and risk management for 60+new hires, boosting team productivity by 25%
  • Leveraged in-depth client relationships and a deep understanding of customer needs to develop and customize SME loan packages, resulting in a 20% increase in loan uptake. This tailored approach strengthened client loyalty and ensured that offerings were aligned with specific client business requirements.
  • Achieved a 15% reduction in marketing costs by implementing a CRM-driven targeted acquisition strategy. This approach enhanced overall efficiency and improved lead conversion rates by 20%, optimizing resource allocation while maximizing customer engagement.
  • Collaborated closely with product development teams to introduce greater loan flexibility, enabling customized repayment structures and terms. This strategic enhancement increased repeat business by 25% among commercial clients, fostering long-term client relationships and reinforcing brand loyalty.
  • Spearheaded a comprehensive omni-channel approach for the e-finance division, optimizing customer touchpoints across mobile, web, and branch services. This initiative led to a 40% surge in digital engagement, making financial services more accessible and convenient for clients through their preferred channels
  • Utilized persona mapping and launched tailored marketing campaigns to expand the client base in underpenetrated market segments, resulting in a 20% growth in portfolio size. This targeted strategy allowed for better market penetration and captured a broader audience of potential clients.
  • Launched data-driven cross-selling campaigns focused on bundled financial products, such as insurance and investment products, achieving a 30% increase in sales. This initiative maximized revenue from existing clients and provided them with comprehensive financial solutions.
  • Conducted in-depth market research to uncover customer pain points in the MSME lending sector, informing feature prioritization and shaping the product roadmap, which resulted in a 15% increase in adoption
  • Facilitated the sanctioning of ₹25 crore in sustainable finance products to support environmentally responsible projects, including renewable energy, waste management, and eco-friendly initiatives, fostering green economic growth

 

Assistant Manager | State Bank Of India | Delhi                            .

  • Successfully transitioned over 750 customers to the SME Digital Business Loan portal, significantly enhancing digital adoption by 30%. This migration streamlined workflows, reducing manual processing time by 20% and enabling faster, more efficient service delivery for SME clients.
  • Successfully managed all facets of branch operations, serving a clientele of over 20,000, with a focus on maintaining exceptional customer relationships
  • Evaluated start-up ideas for Start-up Business Loan Scheme by conducting in-depth financial analysis, market research, and feasibility studies, including an evaluation of trends, regulatory compliance, and site inspections
  • Spearheaded targeted marketing initiatives to engage over 10,000 rural clients, increasing engagement with agricultural solutions by 30% and driving adoption across key regions through tailored outreach strategies.
  • Executed comprehensive go-to-market strategies for retail loans, utilizing omnichannel engagement to boost portfolio growth by ₹30 Cr, effectively reaching customers through multiple touchpoints for greater impact.
  • Established partnerships with educational institutions, designing tailored marketing approaches that led to a 20% increase in loan applications, expanding reach among younger demographics and educational sectors.
  • Led a team of 10 in driving ₹50 Cr in branch sales by implementing strategic initiatives and enhancing cross-selling efforts, fostering a collaborative environment focused on meeting and exceeding sales targets.
  • Successfully onboarded 300+ vendors for the SBI e-Vendor Finance program, expanding the digital financing network and significantly increasing adoption across key industrial sectors.
  • Managed segmented campaigns tailored to customer journey stages in the retail loan sector, resulting in a 10% increase in application completion rates by aligning marketing efforts with customer needs at each stage
  • Leveraged client relationships to tailor SME loan packages, boosting loan uptake by 20%. Reduced marketing costs by 15% through CRM-driven targeting, improving lead conversion by 20%. Collaborated with product teams to add loan flexibility, driving a 25% increase in repeat business among commercial clients.   
  • Enhanced digital engagement by 40% using an omni-channel e-finance strategy across mobile, web, and branch services. Expanded client base in underpenetrated segments via persona mapping and targeted campaigns, achieving 20% portfolio growth.         
  • Launched data-driven cross-selling initiatives, resulting in a 30% increase in bundled product sales, including insurance and investments.

 

Associate design Engineer II | Fluor Daniel India | Delhi

  • Developed 3D model of the project and independently issued 250 drawings for fabrication in Northwest RedWater Project (project worth $1 bn).
  • Utilized Fluor’s Business Risk Management Framework (BRMF) for comprehensive risk analysis in KIPIC Al-Zour Project, Kuwait
  • Realized a time saving of more than 10,000 effort hours by automating work processes resulting in a drastic 75% reduction in replication work
  • Led procurement activities for piping materials, coordinating with vendors to ensure timely and cost-effective deliveries, which reduced material delays by 20% on high-value projects
  • Worked closely with cross-functional teams in engineering, procurement, and construction, resolving 95% of inter-disciplinary issues proactively and contributing to smoother project handovers
  • Conducted rigorous quality checks and ensured adherence to industry standards (ASME, API) in all designs, achieving a 100% compliance rate in third-party audits across multiple projects
  • Implemented optimised digital workflows, cutting documentation processing times by 30%, which enabled faster approvals and reduced bottlenecks in project execution
  • Contributed to Fluor’s talent development by training new engineers on best practices in piping design and material management, resulting in a 15% improvement in team productivity and capability
  • Developed project execution strategy and successfully orchestrated smooth transfer of work for KIPIC Al-Zour project (worth $6 bn) from Fluor's Amsterdam office to New Delhi office and efficiently synchronized operations between two offices
  • Led Client model reviews with Fluor Al Karaana Petrochemicals Complex , Qatar Petrochemicals for a $ 25.8 Mn project to demonstrate conformance on all project related milestones
Accomplishments
  • Awarded the prestigious entry scholarship for the PGPX 2023-24 batch at IIM Ahmedabad, in recognition of a distinguished professional profile and significant career achievements 
  • Led a team to the AWIM (A World In Motion) International Olympics in Detroit, securing the "Best Team Award" in 2012. Demonstrated strong leadership, strategic problem-solving, and collaboration skills on an international platform
  • Awarded by Sheila Dikshit, Hon. CM of Delhi, for leading efforts that secured a win in the Cost Event Category at SAE National 2011, demonstrating expertise in cost optimization and strategic financial planning in a competitive engineering context
  • Directly promoted to Deputy Manager (Fast track promotion) for exemplary performance at State Bank of India
  • Achieved AAA rating (Top 10% in cohort) for performance for Credit Assessment in FY 20-21 and 21-22 at SBI 
  • Awarded the Hugh Coble Project Excellence Award at Fluor for delivering "Best in Class" FEED Solution, 2015
  • Awarded 0.01% Certificate of Excellence by CBSE Board for exceptional performance in class Xth Board
Education

B.Tech (Mechanical and Automation), Indira Gandhi Institute of Technology 

Certificates
  • Artificial Intelligence Foundations: Thinking Machines 
  • PMP training course,Simplilearn
  • Lean Six Sigma, KPMG                                                                                                                   
  • MSME & Working Capital Lending, CRISIL 
  • Certificate in Commercial Credit, Moody’s
  • Product Management ,IBM
  • FinTech: Foundations, Payments, and Regulations
Co/Extra-curricular
  • Elected Member Of Election Committee for IIMA PGPX (elected 5 among 158 members) or PGPX Class of 2023-24, IIMA - College Level
  • Led a 25-member publicity team for Xebec, IGIT’s annual cultural fest, executing targeted promotional campaigns that increased event attendance by 40% and secured multiple sponsorships, enhancing the festival’s visibility and engagement across campus and digital platforms
  • Fluor University Ambassador: Recognized with a Certificate of Appreciation for promoting Fluor’s learning and training tool as part of a 22-member volunteer team. Conducted a study on diverse work cultures across Fluor offices, managed talent development meetings, delivered presentations, and increased employee engagement with internal resources.
  •  Award-Winning Debater and Speaker: Secured multiple victories in debate and speech competitions throughout academic life, recognized with the "Best Speaker" award at the zonal level, demonstrating strong persuasive communication and public speaking abilities.
  •  GAP Initiative Volunteer: Led efforts to bridge the professional gap for young professionals at Fluor by developing a series of leadership sessions featuring global guest speakers. Spearheaded a revamp of the rotational training program for 150 graduates and pioneered an alumni connect program, strengthening initiative branding and fostering leadership development.
  •  GROW Representative: Actively promoted gender equality and visibility for female role models within Fluor as part of the GROW initiative. Authored articles, conducted senior leadership interviews, coordinated GROW-India’s book club, and established communication platforms to foster community dialogue and engagement