Sibi PM currently serves as the Chief Risk Officer at Equitas Small Finance Bank, a position held since July 2021. Prior to this role, Sibi PM had a long tenure at South Indian Bank from October 1995 to June 2021, where various positions included Chief Compliance Officer, Deputy General Manager, Chief Risk Officer, and Assistant General Manager within the Risk Management and Treasury Departments. Sibi PM began the career in the banking sector as an Industrial Officer and progressed through multiple managerial roles. Sibi PM holds a Bachelor of Technology (B.Tech.) degree in Engineering from the University of Kerala, completed between 1989 and 1993.