Ex Dean School of Languages & Culture and Professor Business Studies in Sharda University. Ex GM pnb, Worked also as Director HR in the University for 6 years; also doing consultancy in Banking & Finance and as Evaluator in Development Projects. Worked as top banking executive in a PSU Bank with wide experience in retail, corporate lending , credit risk management, management of non performing loans ; 3 years' experience as country head for Human Resource Development and Training at the central office level of a large Indian Bank with a network of over 5000 offices and 76000 employees; also handled 11 training institutes for training of bank employees .Specialties: Framing HR and Training policies,union negotiatios, reviewing and framing credit risk management policies and framing policies for negotiation/settlement of non performing loans