Am Post Graduate in Physics from DU ,CAIIB & CFA(Inter) .Have been successful banker with 37 years experience .Have authored a book “Empowering the Banker ,credit and risk aspect of banking .I was visiting professor at NIBM Pune for 3 years .Imparting training to Bankers at NIBM ,other training establishment of banks.Was advisor to CSB bank in the field of credit and recovery for 3 years .Was the first banker to declare King Fisher Airlines ,UB Holding and Mr Vijay Mallya as wilful defaulter .My various articles on banking related issues have been published in Financial Express,ET ,Vinimaya ,Yojana ,The Indian Banker..Now as independent director and Trustee of AMC ie Baroda BNP Paribas have been guiding the company regarding credit monitoring and recovery related issues .As member LIC compromise committee was guiding them about nuisances of compromise settlement. Was chairman of RARE ARC till Jan 2024 where nuisance of recovery and reconstruction of assets were discussed at Board level .Have been very successful in using SARFAESI to recover bad loans .Press acclaimed me as turn around specialist as brought United Bank of India from loss in Sept (₹489 cr )and Dec 2013 (₹1238cr)quarter to Profit (₹469cr) in March 2014 in just 40 days after taking charge on 20th Feb 2014 Framed credit monitoring policy for first time in UBI .Besides framed policy for credit audit and updated recovery and credit policies of the bank .I review articles for publication in a double blind refereed journal of social management sciences with a special reference to banking and finance .Decided case in my favour -Deepak Narang vs State of Haryana and anr 14th sept 2006 Punjab & Haryana High Court Articles in Financial Express:Bad bank: Should India have one?Published: June 4, 2020 6:10 AMHow to tackle NPA crisis: With RBI-less banking May 10 2017How to tackle errant borrowers? Here is what banks must do now Nov 1 ,2017Bank NPA’s: How to clear the bad loans mess Nov 23,2016Devising a bad bank Oct 11,2016Banks a little too late in acting on Kingfisher Airlines March 12, 2016Make wilful default a serious crime Feb 28 , Managing Non-Performing Assets: A Paradigm Shift. Yojana Jan 20,2018Kingfisher saga: How banks can still recover Rs 9,000 crore from Vijay Mallya ET March 2016Invoking SARFAESI as Brahmastra -All That One Needs To Do (The Indian banker June 20 issue)P2P lending in India under covid -19 scenario Vinimaya