Global Risk Leadership: Overseeing risk management across Bank of Baroda’s extensive network, including 8,000+ branches in India and over 100 offices in 20 countries, managing global credit, market, operational, and enterprise-wide risks.Comprehensive Risk Oversight: Responsible for global credit risk, market risk, operational risk, enterprise risk management, fraud risk management, capital planning, ICAAP, asset-liability management (ALM), liquidity risk management, and interest rate risk management.Advisor Member: of Management Committee of the Board, Credit Approval Committee of the Board, Corporate Credit Committee of Executive Directors, Corporate Credit Committee of CGMs Committee Convenor: Leading critical risk management committees such as the Asset Liability Management Committee, Credit Policy Committee, Enterprise Risk Management Committee, and the Risk Management Committee of the Board.Cross-functional Membership: Member of the Risk Management Committee and ESG Committee of the Indian Banks’ Association (IBA).International Risk Oversight: Chairs the Risk Management Committee for UAE operations, equivalent to the board committee, ensuring compliance and robust risk management. Member of Senior Management Committee for UAE Operations (Board Equivalent Committee)Product and Process Governance: Leads the Product and Process Approval Committee to drive innovation while managing risk effectively.Group Risk Council Leader: Chairs the Group Risk Council, coordinating with CROs from domestic and overseas subsidiaries and operations.Reporting Structure: Oversees risk officers across the globe, with CROs of overseas branches and Zonal Risk Officers reporting directly.

Responsible to overseas Liabilities business development along with NRI Banking

Responsible for Business Development in N Delhi Zone, one of the largest Zone of the Bank in terms of Business, Having 380 Branches and over 3500 staff

MD & CEO's OfficeScrutinising and critically analysing all notes from various functions such as Risk, Credit, Treasury, Retail Asset, Retail Liabilities, Rural & Agriculture, Financial Inclusion etc., being put upto the MD & CEO Scrutinising and analysing Large Corporate Credit proposals and presenting findings to the MD & CEOHandling various urgent matters being referred and received in the office of the MD & CEOMaintaining and managing Corporate Governance in accordance with the policy prescriptionAttending and participating in to all top management committees meetings (such as Asset Liabilities Management Committee, Credit Policy Committee, Enterprise wide Risk Management Committee, Monthly Business Review Meeting etc.)Handling of all the communications received in the office of the MD & CEO and ensuring the effective action on the sameCommunicating the directions of the MD & CEO to various departments and ensuring compliance with the same in a timely mannerBOBNOWW-Transformation ProjectDesign and implementation of project BOB NOWW-New ways of working with well-defined timelines.Driving the digital squad of project BOB NOWW-with well-defined timelinesDriving the Wealth Squad of project BOB NOWW-with well-defined timelinesDriving the Corporate, MSME, SCF & International Banking squad of project BOB NOWW-with well defined timelinesDriving the Retail Distribution, Agri & Collection Sqaud of project BOB NOWW-with well-defined timelinesDriving strategic project “Branch 2.0” with defined timelines

Responsible for the overall management of the Global Credit Risk ManagementResponsible for the overall Global Market Risk ManagementResponsible for the overall Global Operational Risk ManagementResponsible for the overall management of the Global Enterprise wide Risk ManagementDevelopment of the various risk modelsMaintaining independence of the risk function Development of the various Risk Policies on Credit Risk, Market Risk, Operational Risk and Enterprise wide Risk ManagementCredit Risk Evaluation and clearance of the Large Corporate Proposals from Risk angleApproval and clerance of various products and services from Risk anglePresenting Risk analytics and various reports to the Asset liability Management Committee (ALCO), Credit Policy Committee (CPC), Enterprise wide Risk Management Committee, Risk Management Committee of the Board and BoardAttending to the RBS by the RBI and ensuring compliance with observationsDeveloping and grooming talent in the Risk function

Global Mid Office, Risk Management, Treasury

Member Audit Committee of the Board

Chairman Risk Management Committee of the BoardMember Audit Committee of the Board

Managing one of the very large branch Responsible for all round business development & Control of the branch. Mentoring & Coaching team to achieve Corporate Goals

Managing entire business of the branchBusiness Development Mobilizing Low Cost Deposits i.e. Current Accounts, Savings Bank, Retail Term Deposits Mobilizing Retail and SME Loans Recovery of NPAsControl and Supervision of the branch

Responsibilities:1.ICAAP & Stress Testing-Policy making and preparing entire document2.Basel-II -reports preparation in line with home and host country regulatory guidelines and ensuring smooth roadmap for higher approaches of Basel-III3.Preparing Chief Risk Officers Report (CRO Report)4.Preparing for implementing Basel-III5.Convenor of Asset Liability Management Committee6.Preparing Liquidity Gap Reports, Interest Rate Sensitivity Reports, Earning at Risk (EaR), Duration of Equity, Value at Risk 7.Convenor of Operational Risk Management Committee-Clearing all product and services from operational risk angle before introduction, Calculation of Capital Charge, Loss Data Collection for helping Bank to move to AMA approach8.Market Risk- Capital Charge Computaion in line with Standardised Duration Method, Helping Bank to move to Internal Model Method appraoch by by actively implemeting Value at Risk-capable of computing VaR through Historical Simulation, Variance-Covariance and Monte Carlo Simulation9.Publishing "GCC Weekly Economic Review" 10.Convenor of Audit Committee11.Member of Bussiness Development Committee-actively partcipating in the development of the new product and services12. Budgeting and Planning-Preparing budget for all the branches and Bank including Capital Planning13.Compliance and Anti Money Laundering14.Audit & Inspection-Attending to all the reports related to Yearly Audit, Concurrent Audit, Revenue Audit, IT Audit, Snap & System Audit, Risk Based Internal Audit etc..15.Co-ordinator for Central Bank of UAE Inspection, Head Office Inspection, Statutory Audit16.Issung Circulars/Guidelines for Risk Management, Compliance, Anti Money Laundering17.Policy Making- ICAAP & Stress Testing, ALM, Credit Risk Management, NPA & Recovery Management, Investment 18. Helping, guiding and training in the policy preparation to Bank's Offices in GCC Countries and other countries

Responsibilities:1.ICAAP & Stress Testing-Policy making and preparing entire document2.Basel-II -reports preparation in line with home and host country regulatory guidelines and ensuring smooth roadmap for higher approaches of Basel-III3.Preparing Chief Risk Officers Report (CRO Report)4.Preparing for implementing Basel-III5.Convenor of Asset Liability Management Committee6.Preparing Liquidity Gap Reports, Interest Rate Sensitivity Reports, Earning at Risk (EaR), Duration of Equity, Value at Risk 7.Convenor of Operational Risk Management Committee-Clearing all product and services from operational risk angle before introduction, Calculation of Capital Charge, Loss Data Collection for helping Bank to move to AMA approach8.Market Risk- Capital Charge Computaion in line with Standardised Duration Method, Helping Bank to move to Internal Model Method appraoch by by actively implemeting Value at Risk-capable of computing VaR through Historical Simulation, Variance-Covariance and Monte Carlo Simulation9.Publishing "GCC Weekly Economic Review" 10.Convenor of Audit Committee11.Member of Bussiness Development Committee-actively partcipating in the development of the new product and services12. Budgeting and Planning-Preparing budget for all the branches and Bank including Capital Planning13.Compliance and Anti Money Laundering14.Audit & Inspection-Attending to all the reports related to Yearly Audit, Concurrent Audit, Revenue Audit, IT Audit, Snap & System Audit, Risk Based Internal Audit etc..15.Co-ordinator for Central Bank of UAE Inspection, Head Office Inspection, Statutory Audit16.Issung Circulars/Guidelines for Risk Management, Compliance, Anti Money Laundering17.Policy Making- ICAAP & Stress Testing, ALM, Credit Risk Management, NPA & Recovery Management, Investment 18. Helping, guiding and training in the policy preparation to Bank's Offices in GCC Countries and other countries

Responsible for • ICAAP, Collateral Management and Stress Testing Policy making and implementation• Market Risk Management• Tracking and Back testing Value at Risk• Asset Liability Management & Group Risk Policy Making and implementation• Preparation of Structural Liquidity Reports, Dynamic Liquidity Reports, Stress Testing, Duration and Modified Duration and Earning at Risk Reports• Putting up all notes related to the pricing of products and services as well as transfer pricing mechanism to ALCO• Treasury Mid-office policy making• Research & Development• Implementation of Basel-II guidelines• Model Development• Implementation of Oracle Financial Services Application (OFSA) and Data Warehouse• Keeping updated with FSA/FSB/SEC/RBNZ/RBNYK etc. guidelines

Credit Manager,Operations Manager

CREDIT OFFICER,FOREX OFFICER,OPERATIONS OFFICER,BRANCH HEAD