Having 30 years of experience in various areas of IT/Systems, Information Security, HR, Admin, Estate, Credit, Risk Management, RTI, Ombudsman(Chief Grievance Redressal Officer), Government Schemes related to housing and urban infrastructure, Credit Guarantee Scheme in different industrial segment like Automobile Industry, Paper Industry, Banking Industry (both in Commercial Bank and Developmental Financial Institution). Presently Heading Credit Department (both Refinance and Project Finance), Government Schemes Department and Human Resource Management Department of National Housing Bank and also Appellate Authority for RTI matters and Chief Grievance Redressal Officer of the Bank.Specialties: IT, Finance, HR, General Administration, Credit, Risk Management, Govt. Schemes related to housing and urban infrastructure (Banking Industry)