In-house Faculty


Shri B.N.Rajesh
Deputy General Manager 

Qualification: B.E. (Mechanical)

Important Certifications: JAIIB, CAIIB

Work Experience : About  20 years’ experience with IDBI Bank  in various Departments / functional areas : Market Research, Corporate Strategy and Planning (Business Intelligence Group), Risk Dept (Industry Research), Project Finance, Corporate Banking, Corporate office. Presently posted as DGM (Faculty) at JNIBF.

Area of Expertise in handling sessions:

  • Indian Financial System and Legal Framework, Evolution of Banking, Overview of IDBI Bank - History and Organisation structure /Departments
  • Technical Appraisal of Project
  • Market / Commercial appraisal of Project
  • Risk Management under Basel III
  • Infrastructure Project Implementation: Issues and Challenges
  • Project Risk Rating Methodology
  • Case Studies ( Project Finance)
  • Code of Conduct & Ethics

Academic Publications:
1) Published various Industry /Market Research studies for the top Management
2) Publication of In-house Magazine (bi-monthly) at JNIBF (Updates of Economy, Banking, Industry, Digital Technology, etc)



Smt. Dhanashree Patki
Deputy General Manager 


Qualification: B.Com and Masters in Management Science

Important Certifications: IRDA, AMFI

Work Experience : 23 years+ experience in banking industry has given opportunity to work in various capacities and roles. During these years in banking industry I have been entrusted with responsibility of branch business head and business Implementation at regional level. Currently working as DGM and Faculty with JNIBF.
Started Career as computer programmer and trainer in Aptech Computer Center, Mumbai


  • Worked with Bank of America in Foreign Exchange Department, Mumbai
  • Worked ICICI Bank Retail Branch Banking in Mumbai and Pune
  • Working with IDBI Bank since 2003. I got an opportunity to work in various departments in retail banking at branch level as well as controlling offices like regional and zonal offices. I have experience and exposure of handling retail branch banking, recovery, third party product distribution in metro cities like Pune , Mumbai and Aurangabad. Coordination for product and process implementation during the bank merger of eUWB and IDBI Bank in 2007 for branches in Maharashtra

Area of Expertise in handling sessions: Visiting/Guest Faculty:
Functional:

       Customer Service:

  • Customer Service (Understanding the customer, customer expectations, addressing customer complaints, handling difficult customers, building customer relationships)
  • Basics of Banking – Contract of A/c opening, KYC/AML, necessity of introduction, A/c opening documentation for various types of accounts
  • Business Writing and Drafting Skills E mail writing E mail and Telephone Etiquette
  • Basics of Banking – Indian Financial system & the legal framework, Definition of bank and customer, types of banker-customer relationship, Rights & duties of a banker, Negotiable Instruments, KYC/AML
  •  Customer Relationship Management-Customer segmentation, ,Use of Business Intelligence tools (SPIM), maintaining existing relationship & stopping attrition through bench fencing , Creating product/service awareness amongst customers, building trust, cross selling, Customer Value Management, Wallet share enhancemen
  •  Customer Focus and managing customer efficiently
  • Complaint Management :  Converting Challenges of customer Complaints into Business Opportunity

        Operations:

  • Level- 1- Important Control Areas in Cash Handling & Operation for Risk mitigation & Prevention
  • Level – II -Important Control Areas in Cash Handling & Operation for Risk mitigation & Prevention : Dual Custody, Cash Receipts & payments , Counterfeit Cash Handling, Cash Holding guidelines/ Reporting of Excess or Shortage of cash /Petty cash management / ATM Cash management, Cash in Transit /Cash Handing by outside agency /Remittances
  • Basics of Banking - Rules for nomination and claim settlement, clearing process and types of clearing and RTGS, NEFT and outstation Collections. NRI accounts, Fraud control measures. TDS features
  •  NI Act
  • Risk mitigation &Prevention in handling of Deliverables – Cards , PINs etc and Control over Security Items,Control in Inter Sol Transactions Register Maintenance, reports
  •  Branch Operations - Adherence to Operational Guidelines /Risk Management / Monitoring and controlling Branch Ops -Case Studies & Discussion
  • Branch Operations Important areas of control and operational Risk Management at Branches & Audit overview
  • Risk Management- An overview
  • Introduction to Risk -I- Definition, Importance, Identification and classification.; Example 1- Risk encountered by a Branch Head/Retail RM from the opening of Bank’s Branch till Closing of the Bank’s Branch. [The daily activities (normal day) of the Branch Head to be listed and risk to be identified in each activity]. Example 2- Depending on the composition of the target audience, identification of Risk in daily activities of Relationship Manager at corporate centre and/or Retail asset officer to be taken
  • Case Studies/Activities ; Risk identified in Example 1 and 2. Impact of risk identified (RWA). Mitigation of Risk identified in Example 1 and 2. [Participants to be grouped and asked to make presentations
  • Branch Operations - Adherence to Operational Guidelines /Risk Management / Monitoring/Reports checking and controlling various areas of Branch Ops -Case Studies & Discussion
  • Introduction to Risk-Definition, Importance, Identification and classification.; Introduction to Basel [Classification and sub classification of Risk- Credit Risk, Operation Risk and Market risk

        Retail Banking:

  • Business opportunities through TASC, Government business, co-operative banks and Capital Gains Account
  • Overview of IDBI Bank Evolution & Vision
  • Basics of Retail Liabilities
  • Understanding business scenario and developing capabilities to increase bottom line
  • Retail Banking – Strategy for future outlook Business Drivers at Branches, Operations, Sales and Analysis, Mapping of catchment and beyond, Working on Business Mix and Relationship management, Strategies for plain vanilla CASA,TPD and RTD. Product offerings and customization. Structured Retail Assets Products, compliance and competitive edge & Strategies for business growth
  • Branch Heads :Transition from team member to be a leader. Team Building, Setting example for Staff.Change and Time Management. Prioritization of work, handling multi tasking effectively, Team management for effective work output under challenging environment. Eliminating repeated errors to build better work culture and effective time management
  • Sales Process and Components

 

       Non-Functional

  • Emotional Intelligence at Work
  • Stress Management
  • Conflict Management, People Management
  • Corporate Etiquette- Business Writing/Drafting Skills Email, Phone Etiquette, dress code, body language, Greeting, Language – Words to use/not to use Attending to Customer queries, response time etc
  • Stress Management
  • Selling Process
  • Communication Skills
  • Negotiation Skills
  • Corporate Etiquette & Grooming
  • Image Building Enhancing your professional presence
  • Effective Communication and Negotiation Skills, Corporate Image building
  • Communication Skills, Body Language and Interpersonal Skills
  • Philosophy of Life & Living (Spiritual Aspects)
  • Managing Time, Dealing  with  Stress and Work  Life Balance
  • Image Building Enhancing your professional presence
  • Sales Start to Close: Developing sales pitch through activities, Importance of Probing in the sales process. Handling Objections, Closing the Sales, Ethics of selling
  • Importance of Positive attitude
  • Working as Team Member


Dr. Garimella Bhaskar Narasimha Rao
Deputy General Manager

Qualification:

  • Doctoral Program (2012-2015) (PhD in HRM) under Dr. Bhavesh Gupta (IIT-Kanpur
  • MCom (1998-2000) from Dr. Ram Manohar Lohia College, Kanpur
  • MBA – HRM (1996-1998) from Andhra University ,Visakhapatnam
  • BCom (1992-1995) from Dr. Ram Manohar Lohia College, Kanpur

Important Certifications:

  • Principal Consultant - Continuity of Business (CoB) - Citibank Inc, 2005
  • High Impact Teaching Skills - TTT from "Dale Carnigie Training", May 2012 at IIT, Kanpur
  • Functional Member - Promotion of Sustainable Rural Livelihoods, Certified at NIRD & PR by NRLM, Dec 2014
  • Quality & Process Improvement in Banking (Oct 2009)– JP Morgan Centre for Corporate Compliance, NY
  • Ratified Associate Professor in HRM - JNTU, Kakinada 2012
  • CAIIB Completed in 2014
  • UGC-SLET Qualified in 2012

Work Experience:

  • Worked as head of an RRB - Staff Learning Centre” Subjects: Agri Credit, Inv Credit and Watershed Project Finance
  • "JNTU-Kakinada” Associate Professor in Strategic HRM and HRD
  • Worked with MNC banks as AVP - Training. Subjects – IB, CLS, Risk, SLT & CDO’s

 Adjuct Faculty – Responsibilities

"Adjunct" HRM Faculty at BITS Pilani, Manipal University, JBIMS, Churchgate and GITAM HBS and IPE Autonomous, Osmania University

  • Core faculty member for: Banking Operations & HRM classes for PG Students
  • Identify business problems and create, learning strategies, initiate change and implement new processes in as the Coordinator of the Centre for Business Analytics
  •  Analyze gaps & Improve Competencies, create Learning Paths and implement Support Models, Spearhead Assessment Centers, formulate Effective Feedback Mechanisms and promote Talent Development
  • Initiate University outreach activities and seek for Industry Institute Partnerships
  • Personalized Mentorship, Performance Improvement, Transition Management, Change Management, and Stakeholder Management

Area of Expertise in handling sessions:
Functional:

  • KYC, AML, Card & Cash Operations, Deposit & Liabilities Products of IDBI Bank and others
  • Fee Based Income & Fund Based Income – Important features Basics of Insurance, Need and Importance. Golden Rules of Insurance, Prospecting for Insurance
  • Code of Conduct, Ethics & Best Banking Practices Case Study Review
  • Introduction: Why accounts become stressed or NPA, Implications of account becoming NPA, IRAC Norms and NPA Management Policy. (Inadequate due diligence and un-realistic assumption, Diversion of Funds etc., Early warning Signals. NPA Management Policy of the Bank on IRAC
  • Circulars Review & Reading on Basics of Banking (List of 18 Master Circulars)
  • Basics of Banking – Negotiable Instrument Act, Rules for nomination and claim settlement. TDS features
  • Negotiation Skills
  • Opportunities in Priority Sector Lending (Agri) PSL Agri targets/Classification/Govt. Priorities & policies. Concept of lead bank/BLBC/Branch Credit Plan. Agri. related Govt. Sponsored Schemes.(NRLM & State Govt. Schemes)
  • Concepts of SHG & JLG Finance-Micro Loans (SHG/JLG) Critical aspects of Fin. Inclusion / Financial Literacy & Role of BC / BF in FI & PSL – Monitoring of business
  • RBI guidelines on Business Correspondents/ Role & Responsibilities of BC Agents / Role of Rural Branch Managers in Making the BC model viable
  • Voices from the field – Sharing of experience by the stakeholders

Non-Functional:

  • Negotiation Skills
  • Conflict Management
  • Presentation Skill

Academic Publications:
Text Book Publication:

 “Order Routing Challenge in Warehouse Operations – A HRM based Empirical Study”, by LAMBERT Academic Publishing, AV Akademikerverlag GmbH& Co.KG, Heinrich-Böcking-Str. 6-8, 66121, Saarbrucken, Germany; ISBN: 978-3-659-23734-8 (Reference Book for University of Frankfurt)


Academic Consultancy:

  • “Container Logistics – “eLearning Module: Optimization of Operations Management” – Executed a live project of value Rs. 15,47,396/- with M/s. Krishnapatnam Port from an academic perspective. (November 2017 to Oct 2018)
  • From 18-Apr-19 am the Principal Associate for a Rs. 2.75 Cr PPP with DG-Shipping, GoI, Ministry of Shipping (MoS) & Sagarmala Project on enabling systematic education in the paradigm of Dredging & MSDC
  • currently the Principal Investigator in an offshore DG-Shipping project, executing as an Industry Consultancy Project with M/s Krishnapatnam Adani Port in the area of Skills, Port Management, Refer Terminal Operations, Container Logistics and have secured an MOU to offer NINE separate Maritime associated courses at both UG and PG level Pan India Level.
  • Organized a “National Level Ports Summit 1.0” as Chairman in collaboration with the Indian Prime Minister’s Office to reinforce Academic – Industry tie-up “Sagarmala Project” on 29-30 Nov, 2017.
  • ICSSR Major Project Award in 2018-19, Livelihoods enablement in Coastal Communities, Rs. 5.78 Lakhs
  • IIBF Major Research Project Award (2019-20) for Rs. 12.47 Lakhs – Enabling Tribal Livelihoods – SHG-Bank Linkage Program

International Journal’s –Publications : SCOPUS (Q2 & Q3) LISTED MANUSCRIPTS

  • Structured Education for Sustainable Employment: Technology Enabled Queuing Theory Applications” (Mar 2018), Foundations of Management” (ISSN: 2300-5661); Volume 10, Issue 1. (https://doi.org/10.2478/fman-2018-0007)
  • “A Framework For Marketing Libraries In The Post-Liberalized Information And Communications Technology Era” (Dec 2010); International Journal of Advanced Computer Science and Applications; November 2010, Volume 1 No. 5 U.S; ISSN: 2158-107X (Print)
  • “Procurement Function Modeled as a Taxonomy of Perishable Goods along the Cold Chain”, International Journal of Procurement Management, (ISSN: 1753-8440); Accepted Publication vide IJPM-11839 (Nov 2019)
  • “An Algorithmic Approach for Maritime Transportation” (Feb 2020); IJACSA, University of New York, Volume 11, No. 2 U.S; ISSN: 2158-107X (Print),  (DOI:  10.14569/IJACSA.2020.0110296).
  • “Debt Traps - A Risk Participative Approach for Reduction of Default Risk Using Numeric Game Theory”, “International Journal of Recent Technology and Engineering”, IJRTE, ISSN 2277-3878, (Accepted for Publication - May 2020),
  • “Automatic Detection and Correction of Blink Artifacts in Single Channel EEG Signals”, (Feb 2020); IJACSA, University of New York, Volume 11 Issue 1, 2020, U.S; ISSN: 2158-107X (Print), (DOI:10.14569/IJACSA.2020.0110144)

International Conference Papers :

  • “WHY DO COLD DRINKS COST SO HIGH IN CINEMA HALLS”, the First International Marketing Conference (MARCON 2010) – December 27-29, 2010; Indian Institute of Management, Calcutta, India
  • “SECONDARY LOAN MARKET - AN EMPIRICAL STUDY”; The Second Annual Global Business Summit Conference (GBSC2010) June 23-25, 2010, Pondicherry University, India
  • “CORPORATE FINANCE – A REPORT ON RECENT TRENDS IN THE NORTH AMERICAN CREDIT “MARKETS”, The  International Conference On Business & Finance (ICBF) – March 12-13, 2010,ICFAI Business School, Hyderabad
  • “A REFLECTION OF INDIAN WOMEN ENTREPRENUERSHIP – REFERENCE TO ANDHRA PRADESH”; International Conference on Management of Change; 2 – 3, February 2010. Kristu Jayanti College of Management and Technology, Bangalore.
  • "BUSINESS VIABILITY - SUPLY CHAIN MANAGEMENT", Fourth International Conference on Strategy for Business Development organized – 2010, 30-31 March, Prestige Institute of Management Research, Indore.


Shri Kinshuk Ghosh
Asst. General Manager 
KG 

Qualification: M. Com, MBA (Finance)

Important Certifications:

  • CAIIB from Indian Institute of Banking & Finance, Mumbai
  • Certified Credit Professional(CCP) from  Indian Institute of Banking & Finance, Mumbai
  • SME Finance for Banker from Indian Institute of Banking & Finance, Mumbai
  • Digital Banking from Indian Institute of Banking & Finance, Mumbai
  • E-Commerce ( IBM Certified)
  • CQI-IRCA Certified course on ISO 9001:2015 Lead Auditor Quality Management  System from Intertek

Work Experience: Total banking experience is about 17 years.

Total 11 years of experience with IDBI Bank under various departments/verticals   comprising of  :

  • 3 years of experience in MCG, Kolkata
  • 4 years of experience in CBG, Kolkata
  • 4 years of experience as a Faculty-JNIBF & ZTC Coordination across India

Previous Organization: Worked with IndusInd Bank as Head-Operation and Credit Administrator in retail banking for 6 years

Area of Expertise in handling sessions:
  • Understanding financial statements & analysis through Ratios
  • Disbursement of Loan (Working Capital & Term Loan) – End use verification – Monitoring- Follow-up of loans
  • Credit monitoring in WC credit limits – critical issues
  • Credit Dispensation – End use verification - Monitoring, Follow-up & Asset quality Maintenance for MSE Loans
  • Causes of Loan Accounts turning into NPAs and Importance of Close Monitoring and Follow-up / Early Warning Signals – RBG Perspective
  • NPA & Recovery IRAC Norms, SMA classification, NPA & Recovery Timely action for Recall, Invocation, SARFAESI, DRT Suit
  • Review & Renewal of Credit Facilities
  • Basics of Banking – Rules for nomination and claim settlement. Negotiable Instrument Act, TDS features


ZTCs Faculty
In-House Faculty

  • Shri Pronuj Kumar Pegu,Deputy General Manager
  • Shri Arun Kumar Verma,Deputy General Manager
  • Shri Haranadha Babu,Deputy General Manager
  • Shri Milind Joshi,Deputy General Manager
  • Ms. Neeta Anand,Deputy General Manager
  • Smt. Jyoti Prasanna Salvi,Deputy General Manager
  • Shri Ranjan Chakraborty ,Deputy General Manager
  • Smt. Shashi Shivrain,Deputy General Manager
  • Shri Jebakumar M D R , Deputy General Manager
  • Smt. Shweta Vohra,Assistant General Manager
  • Smt. Lavanya B,Assistant General Manager
  • Shri Anup Mukund Rao Gedam, Assistant General Manager
  • Shri Balaji Prasad Das, Assistant General Manager
  • Kum. Bhavya Shukla, Assistant General Manager
  • Kum. N Elavarasi, Assistant General Manager
  • Smt. Vatsala Semanti Ranjan, Assistant General Manager
  • Ms. Ankita Agrawal, Manager
  • Smt. Priyanka Ramani Agarwal, Manager
  • Smt. Mohini Chopra, Manager
  • Shri Rohit Sehgal, Manager
  • Shri Sunil Kumar, Manager
  • Kum Swapnal Madhukar Sakhare, Manager
  • Smt. Mehak Sharma , Manager


ZTC KOLKATA

Shri Pronuj Kumar Pegu
Deputy General Manager
KG

Qualification: M.Sc. in Economics,  Master of Business Administration in Finance 
Certifications: Certified Financial Planner, JAIIB from India Institute of Banking & Finance, Mumbai , Certified Professional Life Coach from Transformational Academy, USA
Work Experience: Total 26 Years of banking experience with IDBI Bank , Worked in MSME & Priority Sector Group
Area of Expertise in handling sessions

  • Concept of Term Loan
  • CMA Analysis
  • Priority Sector Lending, Concept of lead bank/BLBC, Govt. Sponsored Schemes
  • PSL Products overview and salient features as per Bank's guidelines
  • MSME Products overview and salient features as per Bank's guidelines
  • AGRI Products with emphasis on KCC & Gold Loan

Concepts of SHG & JLG Finance-Micro Loans (SHG/JLG), Financial Inclusion, Financial Literacy & Role of BC / BF in FI

Smt. Mohini Chopra
Manager

  • BSc in Genetics
  • PG Diploma in Banking Operations from Institute of Finance, Banking & Insurance (IFBI)
Certifications:
  • JAIIB from Indian Institute of Banking & Finance (IIBF)
  • IRDA Certified
  • AMFI Mutual Fund (Advisors) Module from NCFM
Work Experience:
11 yrs 7 months (Joined IDBI on 5th of January 2010)
  • 8.7 years experience in RBG Branch.
  • 3 years experience in RAC
Area of Expertise in handling sessions

Functional
  • Branch Operations ( Cash Management,  Locker, Deliverables, Deceased Claims, FDOD, Reports )
  • KYC/AML
  • Retail Liability products (  SB/CA/FD/RD/NRI)
  • Operational Aspects pertaining to Internal Audit
  • Customer Service and Complaint Management
  • Structured Retail Assets Products and theirs overviews like HL, Mortgage loans, AL, PL, EL and Gold loans etc
  • Role of TSE/CSE


ZTC MUMBAI

Jyoti Prasanna Salvi
DGM & ZTC Head Belapur

Qualification:
  • B.A Psychology, M.A. (Industrial Psychology)

Certifications:
Train The Trainer by Dr. Palan’s Certification (Unit of SMRT Malaysia), Neuro Linguistic Programming (NLP) Level I and Level II (Dr Richard McHugh – Master Trainer NLP and Gestalt). Certifications in Human Resource Management from Middle Earth Institute Bangalore.  Wavelength, Delhi – Instructional Design and Content Development Course
Area of Expertise in handling sessions:  
Non- Functional:

  • Time Management, Organising and Planning
  • Corporate Etiquettes
  • Communication and Interpersonal Skills
  • Managerial Effectiveness
  • Unnati
  • Train The Trainer for line Managers


Smt. Vatsala Semanti Ranjan
Assistant  General Manager

Qualification:
  • M.Sc. (Chemistry with specialization on Organic Chemistry) from Ranchi University
  • MBA Finance and Human Resource dual specialization
Certifications:
  • JAIIB from Indian Institute of Banking & Finance (IIBF), Mumbai
  • NISM and IRDA Certified
Work Experience:
  • Total 13 years  experience with IDBI Bank throughout in retail banking and handled different profiles
  • ASOM, RM, BH , Credit Head MSME Branch
Area of Expertise in handling sessions:
Functional
  • Retail Liability Products, SRA Products, NRI Banking
  • Organizational Expectations
  • Role of RM/RO – Co-owning the Branch Business Target Customer profiling
  • Wallet share Enhancement
  • TPD Product Overview, through TASC, Government business, co-operative banks and Capital Gains Accounts.
  • TPD Products Over View: LIC Products in focus
  • Customer Service and Complaint Management: Customer Service and Complaint Management(Emp of RM /RO)
Non Functional
  • Sales & marketing, Soft skills like Communication skills
  • Sales Process and Components
  • Sales Start to Close  -Planning a successful Sales Day

Ankita Agrawal
Manager

Qualification:

  • MBA (Marketing)- IMT, Nagpur
  • LLB (Nagpur University)

 Certifications:

  • JAIIB, CAIIB- Indian Institute of Banking and Finance(IIBF), Mumbai
  • Certified Treasury Professional- FIMMDA and IIBF
  • IRDA - IC 33 for Life Insurance
  • NISM - Series V-A Mutual Fund Distributors
  • NISM-VI-Depository operations Certificate examination
Work Experience:
  • Over 9 years of experience with IDBI Bank in Retail Banking handling various profiles including CSE, RM and SOM.
Area of Expertise in handling sessions:
  • Role of TSE / CSE Retail Liabilities Overview & Products, Sales Orientation- Stopping attrition through bench fencing
  • Branch Operations ( Cash Management,  Locker, Deliverables )
  • Housekeeping (Security items management: Debit cards, I-pins, cheque books, gift cards, welcome kit / Importance compliance Core, BHCC, IS Audit, Post audit compliances, Ereg updation : Key movement)
  • Government Schemes
  • Customer Service and Complaint Management: Customer Service and Complaint Management


ZTC Chandigarh

Smt. Shashi Shivrain
Deputy General Manager

Qualification:
Chartered Accountant, B.COM from Delhi University, PGDBA from Symbiosis , Pune.
Certifications: JAIIB, CAIIB from India Institute of Banking & Finance, AMFI, FIMMDA, NSDL( Depositories), NSDL (Derivatives),IRDA certification, Certification in Customer Service & Banking Codes. Work Experience: Total 18 Years of banking experience with IDBI Bank , HDFC bank , ICICI Bank. Worked in Internal Audit Department, Priority Sector Group, Retail Banking, MCG, Credit Processing Centre.
Area of Expertise in handling sessions: Functional.
  • MSME Products overview and salient features as per Bank's guidelines.
  • Disbursement of Loan (Working Capital & Term Loan) – End use verification – Monitoring- Follow-up of loans
Non Functional
  • Emotional Intelligence at work, Stress Management
  • Negotiation Skills.
  • Team Dynamics.


Smt. Shweta Vohra
Assistant General Manager

Qualification:
  • MBA Finance and Marketing from Kurukshetra University
 Certifications:
  • JAIIB
  • CAIIB
  • Certified Credit Professional
  • Certificate in Risk Management
  • Certificate Examination in AML/KYC
  • NISM Continuing Professional Education for Depository Operations
  • IRDA - IC 33 for Life Insurance
  • NISM - Series V-A Mutual Fund Distributors
Work Experience:
  • Total 13 years’ experience with IDBI Bank throughout in Retail Banking and handled different profiles
  • Joined IDBI Bank in July 2008 as AM
  • Worked at Retail Branch Sector 17, Chandigarh Sol-143 as Relationship Officer  for  1 year
  • Worked at Retail Branch K.G Marg, New Delhi , Sol- 011 as Relationship Officer, RM, ASOM  for  5 years
  • Worked at Retail Branch Rajajinagar, Bengaluru , Sol- 418 as SOM  for  4 years
  • Worked at Retail Branch Phase XI, Mohali, Punjab, Sol- 1931 as Asset Officer  for  2 years
  • Worked at Retail Branch Sector 8 C, Chandigarh, Sol-003 as ASOM  for  1 year

Worked as Visiting Faculty at ZTC Bengaluru for Operations Sessions
Area of Expertise in handling sessions
                                                                                             Functional
1.  Branch Operations ( Cash Management,  Locker, Deliverables, Deceased Claims, FDOD, Reports )
2.   KYC/AML
3.   Operational Aspects pertaining to Internal Audit
4.   Role of RM/RO – Achieving Business Targets
5.   Retail Liability products including CASA, HNW, Salary accounts, TASC & TPD
6.   Digital Banking & Emerging Payments Systems
7.   Capital Market Operation Process & Guidelines, Demat / LAS a/c
8.   TPD Product, TASC, Government business, co-operative banks and Aspects of Capital Gains Accounts and NPS Accounts.
9.   Government Schemes
10.   ustomer Service and Complaint Management: Customer Service and Complaint Management

Non Functional

  • Selling Skills
  • Customer Service and Sales Orientation
  • Presentation skills


Shri Rohit Sehgal
Manager

Qualification:
  • Master in Business Administration (Marketing and Finance)
  • B.com

 Certifications:
CAIIB and JAIIB
Work Experience: Total 15 years in Retail Banking including 6 years as Branch Head and 2 years in Zonal Business Team

Area of Expertise in handling sessions
Functional

  • FTP & Book reporting concept
  • Lead Generation and overview of to Retail Liability products including CASA,HNW,Salary accounts,TASC & TPD
  • Digital Banking & Emerging Payments Systems
  • Capital Market OperationProcess & Guidelines, Demat / LAS a/c
  • NRI Products Overview (with Case Studies)
  • Retail Liability Products
  • Business opportunities through TASC, Government business, co-operative banks and Capital Gains Account
  • Risk mitigation & Prevention in domestic Payment & Remittance system Clearing (Incl CTS) NEFT, RTGS & ECS
  • Generation, Checking and Preservation- of various critical reports related to TSE/CSE desk
  • PSL Norms & RBI Guidelines
  • Concepts of SHG & JLG Finance-Micro Loans (SHG/JLG) Critical aspects of Fin. Inclusion / Financial Literacy & Role of BC / BF in FI & PSL – Monitoring of business
  • Atal Pension Yojna (APY) Background of the Scheme, Features & Benefits, Modalities for handling at the Branch level
  • SLBC Concept & Lead Bank approach – Govt. Sponsored Schemes –State Specific - Critical aspects of subsidy administration
  • Understanding of Financial Statement
  • Corporate BC model
  • Role of TSE / CSE Retail Liabilities Overview & Products,Sales Orientation- Stopping attrition through bench fencing
  • Basics of Credit; Client Segmentation (Corporate, Medium Enterprise; Retail)
  • Financial Inclusion

Non Functional

  • Communication Skills & customer Service Effective Communication and Listening skills, Basic Customer Service
  • General Code of Conduct and Ethics with case study
  • Corporate Etiquette
  • Customer Service and Sales Orientation Attributes for better customer service


ZTC Ahmedabad

Shri Arun Kumar Verma

Deputy General Manager 


Qualification:

  • M.B.A from University Business School (UBS), Punjab University, Chandigarh (UT)
  • B.E. (Mech. Engg) from M.B.M. Engineering College, Jai Narain Vyas University, Jodhpur (Raj)

Certifications:

  • Certificate in Credit Management by NIBM, Pune
  • Forex Dealing Bourse game  by NIBM, Pune
  • JAIIB & CAIIB from IIBF Mumbai
  • Workshop on Capacity Building of Bankers by RBI, Dehradun

Work Experience: Overall more than  17 years experience with IDBI Bank  & Canara Bank under various departments/verticals comprising of:

  • 3 years of experience of Merchant Desk, Forex Treasury, Canara Bank, Mumbai
  • 5 years of experience of Retail branch banking
  • Approx  2 years in Retail Assets Vertical
  • 7 years of experience in credit appraisals of Agri/MSME loan proposals

Area of Expertise in handling sessions:  
Functional

  • Introduction: Why account become stressed or NPA, Implications of NPA ,IRAC Norms and NPA Management Policy
  • PSL Norms and RBI guidelines, KYC and Due diligence
  • Overview of MSE products with emphasis on Sara/Sulabh vyapar and CGTMSE
  • AGRI products with emphasis on KCC & Gold loan
  • Documentation for structured retail asset products viz., EDUCTION LOAN, AUTO LOAN and PERSONAL Loan
  • Frequent audit remarks / observations on loan documentations and process of rectification.  Legal Audit in Loan Documentation & Rectification of remarks
  • Disbursement of Loan ( Working Capital & Term Loan) – End use verification – Monitoring- Follow-up of loans
  • Concept of Term loan
  • SRA Products (HL LAN AL PL EL)
  • Complaint Management (CVM)
  • Warehouse Receipt & Produce Marketing Loan – with illustrations / examples
  • Concepts of SHG & JLG Finance-Micro Loans (SHG/JLG)
  • Products salient features as per bank’s guidelines i)Minor Irrigation & Farm Mechanization  ii) Horticulture
  • Critical aspects of Agri Production Credit  - Production Credit Areas  - KCC/Gold Loan, w.r.t Sourcing / Processing/Disbursement/ Monitoring/ Follow Up, And addressing participant’s queries
  • Product features and credit scoring model of IDBI Kisan Power, Kisan Vehicle loan,,Kisan All Purpose Term Loan
  • Understanding of Financial Statement, Analysis through Ratio
  • SLBC Concept & Lead Bank approach Govt. Sponsored Schemes State Specific - Critical aspects of subsidy administration

 

Non Functional

  • Selling Skills,(Sales process, Pre sale, Lead generation, opening sales call, questioning skills, cross selling, objection handling, closing, after sales service
  • Customer Service and Sales Orientation
  • Presentation skills, Negotiation skills and conflict management


ZTC Nagpur


Shri Milind Joshi
Deputy General Manager 

 
Qualification:

  • B. Com

Certifications:

  • JAIIB

Work Experience: 29 years in banking (SOM, Branch Head, ROM, ZTC Head)

Area of Expertise in handling sessions:  

  • Branch Operations ( Cash Management,  Locker, Deliverables )
  • KYC/AML
  • Housekeeping (Security items management: Debit cards, I-pins, cheque books, gift cards, welcome kit / Importance compliance Core, BHCC, IS Audit, Post audit compliances, Cermo plus  Business Continuity Management ereg updation : Key movement)
  • How to prepare a branch before internal Audit


Shri Anup Mukund Rao Gedam
Assistant General Manager 


Qualification:

  • BE , MBA

Certifications:

  • JAIIB , CAIIB

Work Experience: 16 years in Retail Banking (Branch Head, SOM, ZOM support, AGM ZTC)
Area of Expertise in handling sessions:  

  • Complaint Mgmt, BCSBI, Banking Ombudsman
  • Overview of SRA products
  • KYC/AML


Kum Swapnal Madhukar Sakhare
Manager

Qualification:
  • B.E. (Electronics. Engg)
Certifications:
  • JAIIB & CAIIB from IIBF Mumbai
Work Experience: Overall more than 7 years’ experience with IDBI Bank verticals comprising of:
  • 3 years of experience of Retail Banking
  • 4 years of experience of Centralised Clearing Unit Mumbai
Area of Expertise in handling sessions: 
Functional
  • Housekeeping (Security items management: Debit cards, I-pins, cheque books, gift cards, welcome kit / Importance compliance Core, Business Continuity Management ereg updation : Key movement)
  • Retail Liability products (  SB/CA/FD/RD/NRI)
Non Functional
  • Selling Skills,(Sales process, Pre sale, Lead generation, opening sales call, questioning skills, cross selling, objection handling, closing, after sales service
  • Customer Service and Sales Orientation


ZTC Lucknow

Shri Ranjan Chakraborty
Deputy General Manager 

 
Qualification:

  • PGDBA – HR

Certifications:

  • CAIIB

Work Experience: RBG, Centralised Operations (CCU), ROM

Area of Expertise in handling sessions:  
Functional

  • Retail Liability products (  SB/CA/FD/RD/NRI)
  • Branch Operations (  locker / death claim / cash/ clearing)

Non Functional

  • Communication Skill – Verbal & Non Verbal Communication, Listening Skills
  • Emotional Intelligence at work
  • Negotiation Skills


Kum. Bhavya Shukla
Assistant General Manager 

 
Qualification:

  • MBA: Finance & HR (Dual Major)

Certifications:

  • JAIIB

Work Experience: Joined the Bank in 2008, worked in CCU, RBG, Trade Finance, Retail Recovery and now in ZTC
Area of Expertise in handling sessions:  

  • Stress Management
  • Conflict Management, People Management
  • Presentation Skill
  • Negotiation Skills
  • Unnati Program related session


ZTC Chennai

Shri Jebakumar M D R
Deputy General Manager

Qualifications:
  • B.E. (Mech. Engg) - Government College of Technology, Coimbatore (Bharathiyar University) Tamilnadu
  • M.B.A (Marketing) – Bishop Heber College, Trichy (Bharathidasan University), Tamilnadu
  • B G L (General law) – Annamalai University, Tamilnadu
Certifications:
  • JAIIB & CAIIB from IIBF Mumbai
Work Experience: Overall more than 29 years of experience with IDBI Bank & TN Government Department (Transport)
In IDBI about 20 years in various departments/verticals as under:
  • About 16 years in Corporate Finance including 3 years in SASF & 2.5 years in Project Appraisal Department (PAD)
  • 5 years in Retail Banking Group including 1 year in CPC and rest as BH

Area of Expertise / Interest in handling sessions:
Functional

  • Basics of Credit – Promoters / Technical / Market Assessment
  • Concepts & Assessment of Term Loans – With Case Study
  • Customer Complaints – Prevention & Management.
  • Overview of IDBI Bank – Evolution History Organisation Structure
  • Project / Infrastructure Financing
Non Functional
  • Customer Service – Understanding the Customer / Customer Need / Expectations.
  • Customer Service and Sales Orientation Selling Skills (Sales process, Pre sale, Lead generation, Questioning skills, Cross selling)
  • Business Writing / Drafting Skills / Presentation Skills.


Smt. Lavanya B,
 Assistant General Manager

 
Qualification:
B.Sc. in Bio Chemistry, Master of Business Administration with dual specialisation (Marketing and HR)

Certifications:
Certified in JAIIB from India Institute of Banking & Finance
Work Experience:  Total 12 years of banking experience with IDBI Bank ,
Worked in RBG Vertical as RM for 5 years & as Manager- RPU in Centralised operations for 7 years

Area of Expertise in handling sessions:  
Functional

  • KYC as an effective tool to prevent Money Laundering.  How is KYC different from ISA, Re-KYC / Recreation Risk categorization of the customer, Project Shuchi
  • KYC / AML – its Importance for Risk Mitigation & Fraud Prevention. Better Document Verification – Accepting & Checking New Forms.
  • Branch operations and Brief on Roles and Responsibilities on SOM.

ZTC Bengaluru

Shri Haranadha Babu
Deputy General Manager, ZTC, Bengaluru
 
Qualification:
  • MBA (Banking) in July 2008 from Manipal University
  • B Sc., B Ed from Nagarjuna University

Work Experience: Total 16 years of experience with IDBI Bank Ltd. under various departments

  • CAIIB from Indian Institute of Banking and Finance (IIBF).
  • Multi-Phase Credit Programme
  • Certified Course in Credit Programme from IIBF.

Work Experience::
Having around 22 years of professional experience in fields like Corporate Banking/Retail Banking which are being detailed herewith
Joined IDBI Bank in the month of April, 2009 as AGM. 
Worked as Branch Head, Mid Corporate Group (MCG) Branch for 10 years in IDBI Bank.
Worked as DGM, Project Appraisal Department for one year
Prior to IDBI, worked as Manager in Indian Overseas Bank for about 10 years in various capacities
Worked as an Education Instructor in Indian Air Force for 3 years.

Area of Expertise in handling sessions:  

  • Corporate Banking – Client Selection / Sourcing / Credit Policy / RBI Guidelines
  • Corporate Banking - Assessment of Working Capital Facility- Various Methods
  • Corporate Banking -  Assessment of Term Loan
  • Corporate Banking – Analysis of Financials /CMA/ Ratios/ Case Studies
  • Corporate Banking – Documentation
  • Corporate Banking - Post sanction follow up/ Control Returns/ Various control Tools
  • Corporate Banking – Prevention of Frauds
  • Corporate Banking – Cross Sell


Shri Sunil Kumar
Manager
 
Qualification:
  • MBA
Certifications:
  • JAIIB from Indian Institute of Banking & Finance (IIBF), Mumbai
  • Certified Bank Trainer from Indian Institute of Banking & Finance(IIBF), Mumbai and National Institute of Bank Management (NIBM) Pune
  • Certification on I.T Security from Indian Institute of Banking & Finance(IIBF), Mumbai
  • Certification on Ethics in Banking from Indian Institute of Banking & Finance(IIBF), Mumbai
  • Advanced Certification in Human Resource Specialization from Alliance Business School of Management (Alliance University), Bengaluru
  • Internal Auditor Training Certificate ISO 9001:2015 from Intertek Academy conducted at JNIBF Hyderabad
  • Certified Lean Six Sigma Green Belt from Simplilearn
Work Experience: Total 10 years 8 months experience with IDBI Bank Ltd. under various departments
  • 1 year 8 month  experience as Manager Zonal Training Centre Bengaluru
  • 4 year 1 month experience as Assistant Manager Zonal Training Centre Bengaluru
  • 2 year 1 month experience as Assistant Manager Customer Service Executive Retail Banking Group, Sarakki Lake Branch Bengaluru
  • 3 year experience as Executive (On Contract) Teller Service Executive –  Agri Branch Banking Sarjapura Bengaluru
Previous Organization:
  • Total 1 year 8 months experience in back office transaction services with First Indian  Corporation Private Limited (Now Cognizant) in Bengaluru

Area of Expertise in handling sessions:  
Functional

  • Information Security Overview
  • Human Resource Management (Policy, Overview  on Staff Accountability & Vigilance), Organization Behavior
  • Customer Relationship Management-Customer Segmentation
  • KYC / AML
Non Functional
  • Soft Skills like Corporate Etiquette

ZTC Delhi
Ms. Neeta Anand
Deputy   General Manager 

 
Qualification:

  • Bcom (Hons) from Delhi University
  • MBA in HR from Sikkim Manipal University

Certifications:

  • CAIIB from Indian Institute of Banking and Finance (IIBF)

Work Experience: Total 20 years experience with IDBI Bank under various departments

  • 25  years -  experience in Retail Banking
  • At present posted as Head - ZTC Delhi

Smt. Priyanka Ramani Agarwal
Manager 

 
Qualification:

  • B.Com (Hons)
  • M.Com
  • MBA (Specialization in Finance and Marketing)

 Certifications:

  • JAIIB from Indian Institute of Banking and Finance (IIBF)
  • CAIIB from Indian Institute of Banking and Finance (IIBF)

Work Experience: 10 years 10 months (Joined IDBI Bank on Aug 2, 2010)

  • Worked at MCG Department, Bangalore as Relationship Officer  for  3 years
  • Worked at RAC , Indiranagar, Bangalore as Credit Manager for  11 months        
  • Worked in HR department in New Delhi for 1 year 5 months
  • Worked at RAC, Lajpatnagar (presently known as Nehru Enclave) in the capacity of Credit Manager and Operations Manager for 4 years 7 months
  • Presently working at ZTC, Delhi  since July 2020

Area of Expertise in handling sessions:  

  • SRA related sessions ( Product & Documentation Related to Home Loan  & Mortgage Loan) 

Smt. Mehak Sharma
Manager 

EDUCATIONAL QUALIFICATIONS
• Certificate Course in Strategic Management from XLRI, Jamshedpur
• MBA in HR and Marketing from IMSAR, Maharshi Dayanand University, Haryana (accredited A rating University by NAAC)
• Other Certification from Indian Institute of Banking & Finance (IIBF, Mumbai)
• Certificate Course in Foreign Exchange, Specialist (2018), Certification in Trade Finance (June 2008), Certification in SME (June 2013), CAIIB (Dec 2009) and JAIIB (June 2009)
• Certified Neuro Linguistic Programming (NLP) Practitioner, Purpose Coach, EI & Happiness Coach

WORK EXPERIENCE
Joined IDBI Bank in 2009
• Worked in various verticals like Trade Finance, MCG, SME, Finacle Core Group and Corporate Strategy & Planning Department at Mumbai and Delhi locations
• Total work experience of more than 15 years in private banks like ICICI Bank and HDFC Bank
• Presently posted at ZTC, Delhi

AREA OF EXPERTISE in taking sessions
 • Soft Skills and Wellness
• Basics of Trade Finance

OTHER PROFESSIONAL EXPERIENCE (Pro-Bono)
• Joined IDBI Bank in 2009 • Worked in various verticals like Trade Finance, MCG, SME, Finacle Core Group and Corporate Strategy & Planning Department at Mumbai and Delhi locations
• Total work experience of more than 15 years in private banks like ICICI Bank and HDFC Bank
• Presently posted at ZTC, Delhi BANKING WORK EXPERIENCE
• Mindfulness and Wellness Practitioner
• Speaker - Transformational and Expert talk Sessions for Students and Professionals
• Behavioural Expert & Purpose Coach to Students, Teenagers, Parents and Professionals
• Mentor to budding teenagers entrepreneurs at https://teenpreneurship.in/tp-innovator
• Proficient Content Writer in Hindi and English, well recognised for Editorial/Proofreading skills
• ActiveVolunteer across domains like Education, Health and Senior Citizen
• DesigningTraining content/ modules onBanking products for new joiness

ZTC Bhubaneswar

Shri Balaji Prasad Das
Assistant General Manager 

  
Qualification:

  • MBA in Marketing Management in September 2013
  • Diploma in Business Finance(DBF) from ICFAI, Hyderabad in year April 2004
  • B.Com in Accounting Hons from Utkal University, Odisha in July 2000

Certifications:

  • CAIIB from Indian Institute of Banking and Finance (IIBF)
  • Capital Market (Dealers) Module from NCFM
  • Derivative Market (Dealers) Module from NCFM
  • AMFI-Mutual Fund (Advisor) Module from NCFM
  • NSDL Depository Operations Module from NCFM
  • Commodities Operation Module from NCFM

Work Experience: Having around 17 years of professional experience in fields like Capital market, Banking and Finance which are being detailed herewith
Joined IDBI Bank in the month of March, 2007 as AGM

  • Joined IDBI Bank in March 2009.  However before being a part of ZTC Team, I had worked  in our Retail banking category for last 12 years in various profiles like RM, Asset Officer &  Branch Head
  • Prior to IDBI, I had worked as a SENIOR Officer in Regional Processing Centre(RPU) of ICICI Bank Ltd, Bhubaneswar, Odisha  for 2 years i.e. from March 2007 to February 2009
  • working as a “Junior Executive” in Stock Holding Corporation of India Limited from November 2006 to March 2007
  • Relationship Manager at Anand Rathi Securities Pvt Ltd in year 2006
  • Working as a SEBI Registered BROKER in both NSE and BSE platforms under Anagram Securities and Stockbroking Ltd for a year i.e. from July, 2005 to July, 2006.

Area of Expertise in handling sessions:  

  • Structured Retail Assets Products and theirs overviews like HL, Mortgage loans, Rural and Semi-Urban Housing, AL, PL, EL and Gold loans etc
  • Overview of Various MSE Products and Sales pitch
  • Overviews of Various Third party products being offered by our bank
  • KYC/AML aspects
  • Customer Service aspects
  • Various aspects about Capital market products like Equity, Mutual Funds, Insurance both Life and General etc