* Formerly Head, Risk Solutions & Research in Hewlette Packard India * Formerly Head of Risk Solutions and Research in IBM; * Formerly Research Director and Professor of Banking and Finance at the Center for Banking , International Institute of Information Technology (Deemed University) , Bangalore * Formerly Regional Director for Orissa , Reserve Bank of India, Bhubaneswar and has over 25 years experience in banking and risk management. •Specialized in Financial Markets in MS program at University of Illinois at Urbana-Champaign. His Ph D subject was Credit Risk Analysis of Bank loans .•Guided Ph.D. Work at IIT, Madras and Examiner for PH. D (Fellow Program) for the Indian Institute of Management and ICFAI University.* Implementation,Information System Risk Management, integrated banking risk management and credit rating•Authored about 20 papers in the area of risk management, Professional Experience•Headed Financial Services Division in Reserve Bank of India and was involved in the regulatory and supervision policy initiatives•Hands-on experience on risk management • Stints withCanara Bank and State Bank of India •Involved with the implementation of risk based supervision of banks during his tenure •Developed the framework for the examination of the Investment Portfolio of banks •Actively involved in Public Debt Management and operationalization of the automation for Government Securities Market Industry Consulting and Training Experience•Conducted training programs and consulted for Microsoft, IBM ,HCL, Nelito Systems, PSI Data Systems in the area of risk management and Basel II and payment systems.• Researched and implemented a Rs.21.5 million sponsored (GANASEVA) Project on the ICT Solution for the Delivery of Rural SeSpecialties: Risk Management solutions, risk intelligence systems, banking and regulation,teaching and research in economics,general management