M.Sc. (Physics) from Meerut College under CCSU Meerut
LL.B. from Meerut College under CCSU Meerut - specialisation in Taxation Law
LL.M. (1st year) from Meerut College under CCSU Meerut – specialisation in Mercantile Law
Certificated Associate of Indian Institute of Bankers, Mumbai
Diploma in International Banking and Finance
NCFM Module in Project Finance
Certificate Course on Forensic Accounting and Fraud Examination from West Virginia University US
Diploma in Banking Technology from IIBF Mumbai
Certificate Course in Information Systems for Banks from IIBF Mumbai
Certificate Course in IT Security from IIBF Mumbai
Certificate Course in Cyber Crimes and Fraud Management from IIBF Mumbai
Certificate course in AML & KYC from IIBF Mumbai
Certificate Course on Welcome to Game Theory from Tokyo University Japan
As advocate from January 1987 to June 1988
As a professional banker since July 1988 to August 2022.
Possess 34 years of diverse and challenging experience across the fields of banking, law and academia including Eight years in Top Management as DGM, 9 years in Senior Management and 6 years in Middle Management Level; as the Zonal Head of Deoghar Zone in Jharkhand covering entire Santhal Pargana and Giridih District and Zonal Head of Bangalore Zone controlling all Branches and Offices in Karnataka and Kerala States. At the time of superannuation was head of Fraud Risk Management (for last five years) and Additional Chief Public Information Office (CPIO). This position necessitates a high level of analytical and detective skills with minute observations to prevent and detect Financial Frauds. The job profile of Head of Fraud Risk Management included taking on-line and off-line sessions on Fraud Risk Management in various aspects of Banking for all levels of Management Officials. Possess expert level knowledge, experience, and skills in Financial Inclusion; Personal, Retail and MSME Finance; Credit Approval and Monitoring; Credit Risk Management; Project Finance; General Management & Administration; Training and Development; Business Laws and Legal Aspects related to Banking and Finance; Inspection & Audit; Management Audit; Vigilance and Fraud Risk Management etc. Possess extensive 4.5 years’ experience in Executives Training and Development designing and delivering programmes for Executives in middle and senior management cadre.
Banking and Financial Institutions
Loan Processing Officer
Retail Management and Banking
Rural Banking & Micro Finance
Banking, Management and Legal Field
Registered Advocate Member of Bar Council of Uttar Pradesh, Allahabad
Alumni and Life Member of Administrative Staff College of India, Hyderabad
Member of Meerut Management Association affiliated to All India Management Association
Executive member of Global Bankers’ Forum
Member of Community of ethics of IC Centre for Governance
Life Member of FIBRE (Forum of Indian Bank Retired Executives) Chennai
Life Member of AIIBPARA (All India Indian Bank Pensioners and Retirees Association
Pursuing various Banking, Legal and Management related courses from MOOCs
Ujariyan Branch Gomti Nagar Lucknow Branch of Allahabad Bank was awarded ISO Certification under 9001:2008 Standards during his tenure as AGM and Branch Head
Was appointed as Nodal Officer for Financial Restructuring of Jharkhand Electricity Board Ranchi during his tenure as AGM and Branch Head of Allahabad Bank Ranchi Main Branch
Was controller of Rural Self Employment Training Institutes (RSETIs) at Godda and Dumka during his tenure as Zonal Head of Deoghar Zone. Both the RSETIs secured A+ ratings.
Hon. Prime Minister inaugurated Mudra Yojana in April 2015 from Dumka, a Lead District of Allahabad Bank under Zonal Office Deoghar under his tenure as Zonal Head.
During his tenure as Zonal Head of Allahabad Bank for Kerala and Karnataka States, Kerala achieved 100% Financial Inclusion within December 2014.
Deoghar Zone achieved above 68.5 CASA % during his tenure as Zonal Head – highest in the system.
Was Head of Pilot Branch for CBS implementation of Allahabad Bank – Ujariyawan Gomti Nagar Lucknow.
Was ex-officio member of Management Committee of Bharat Nirman Fund – Fourth Fund of Canbank Venture Capital Fund during his tenure as Zonal Head of Allahabad Bank for Kerala and Karnataka States.
During his tenure as Zonal Head of Allahabad Bank for Kerala and Karnataka States ‘Karnataka Postal Circle Bangalore’ issued Special Cover on 19.01.2015 on ‘150 inspiring years of Allahabad Bank’, although the Head Office of Allahabad Bank was situated at Kolkata, West Bengal within West Bengal Postal Circle at Calcutta.
Was Senior Under Officer in Senior Division NCC and held C Certificate. Also undergone NSS and Civil Defence Trainings. Was a Prefect in Disciplinary Committee, Member of Debating Society and General Secretary and Treasurer of “Bose Physical Society” in D. N. College Meerut.
Have won numerous prizes in various Lectures, Debates, Seminars and Essay Competition at various levels during Studentship and afterward while working in Allahabad Bank.
Amity School of Insurance, Banking and Actuarial Science
F-1 Block, 1st Floor, Amity University Noida