• Member of Personnel Committee of Indian Banks’ Association
  (2009-10)

• Convenor & Chairman of the “Task Force for extending Banking Facilities in Unbanked Gram Panchayats in the State of West Bengal” set up by the Reserve Bank of India in December 2007. Report submitted in September, 2008. RBI has accepted and circulated Report/Recommendations to all Banks for time bound implementation.

• Served Oriental Bank of Commerce for three decades starting the career as Probationary Officer on 17th June, 1978.

• Worked as Branch Incumbent in Khera Kalan (Rural); Sriganganagar (Manager, Lead Bank Office); Chief Manager, Overseas (Forex Branch)-Panchkuilan Road, New Delhi; Chaura Bazar, Ludhiana, Hazrat Ganj, Lucknow branches of OBC.

• Worked as General Manager, Regional Head in OBC’s largest flagship New Delhi Region, having total business of Rs. 12,500 crore from October 2003 to March 2006 wherein Deposits, Advances and Net Profit of the Region more than doubled in two and half year’s period and NPAs were reduced to less than one third i.e. from Rs. 285 crore to Rs. 90 crore during the period of incumbency as General Manager, Regional Head.

• At Head Office of OBC worked as General Manager/Dy. General Manager (HRD); (Recovery & Law); Asstt. General Manager (IT) and Integrated (Domestic & Forex) Treasury, Chief Manager, Corporate Loans, Planning & Development including Priority Sector. Also headed Economic Research, Organisation and Methods, Central Accounts, General Administration, Inspection & Control Departments etc., as Manager/Dy. Chief Manager.

• As General Manager (IT & New Initiatives) at Head Office implemented 100% CBS; Set up Three way Disaster Recovery and Business Continuity Process with zero data loss; Looked after Marketing of Bancassurance, Mutual Fund and other innovative products for augmenting Non-Interest Income.

• Spearheaded and played key role in setting up Joint Venture Company for Life Insurance in partnership of OBC with Canara Bank & HSBC (Insurance).

• Successfully handled merger of eGTB with OBC with sole-responsibility for integration of technology platforms and product mapping.

• OBC was declared “Zero NPA Bank” in September 2003, during the incumbency as General Manager (Recovery) & HR. Effected highest recoveries in New Delhi Region of Oriental Bank of Commerce and settled highest number of 54 NPA cases involving Rs. 47 crores in a Lok Adalat at Delhi High Court in April, 2005 (Appreciation letter issued by Delhi High Court Legal Aid Committee & CMD of OBC).

EDUCATIONAL & PROFESSIONAL QUALIFICATIONS

• MBA (Finance) from Faculty of Management Studies, (FMS), University of Delhi.
• Advanced Financial Management Programme at JFK School of Government, Harvard.
• LL.B. from Campus Law Centre, University of Delhi
• CAIIB
• M.Sc.(Gold Medalist)
• Diploma in Criminology and Forensic Science (Delhi University Topper)
• Diploma in Office Organisation & Procedures from Punjab University, Chandigarh.

ACADEMIC ACHIEVEMENTS

• A National Merit Scholar. All through 1st Class and University Topper in (i) MBA (Finance); (ii) M.Sc., and (iii) Diploma in Criminology & Forensic Science.
• Accomplished research under C.H. Bhabha Research Scholarship Scheme of IBA 1999-2000 on “E-Commerce in Indian Banking”.
• An alumnus of FMS Alumni Association (1987), Delhi University.
• An alumnus of Harvard Alumni Association (2004), Harvard University (U.S.).

SPECIAL ACHIEVEMENTS

• Authored a Book on “E-Commerce in Indian Banking” 616 pages published by Authors Press, New Delhi (2002).

• Authored well researched articles on contemporary issues in renowned national dailies and Banking Journals / Magazines.

• As Honorary Secretary, IBA Delhi Chapter during August 2000 to November 2007 period coordinated and organized all major Banking Seminars, Banker’s meets and other events under the aegis of IBA at Delhi.

FOREIGN ASSIGNMENTS / TRAININGS

• Member of Joint Trade Committee constituted by Govt. of India, Ministry of Commerce for Indo-Myanmar Trade Relations.

• Contested and won Bank’s legal case pertaining to LC/Guarantee/UCP in Hon’ble High Court and Supreme Court of Singapore.

• Visited US, Europe, Singapore & Dubai for showcasing Oriental Bank of Commerce for correspondent Banking Relationship (1995, 1998, 1999) & Follow on Public Issue Offer (2005).

• Attended foreign trainings / assignments at Harvard University (US), Institute of Directors (London), TKS Switzerland, Natwest (London), New York Institute of Finance (US), Bank Pertanian (Malysia), Bank of International Settlements (BIS) Basel, European School of Management, France and London.

• Also visited Athens (Greece), Hong Kong, Myanmar, Thailand, Bangladesh, Lisbon (Portugal) and Bali (Indonesia) etc. on official assignments.