Area of Special interest: HRD & Credits.

A mind trainer, corporate trainer, counselor, life skills coach and motivation speaker. Certified Advance Coach for NLP Society of NLP – USA

Retd. Chief Manager, Punjab National Bank Experience – 40 years Area of Special Interest: Credit, NPA, Recovery, IBC,Training, Operations

Author & Retd. General Manager PNB Experience – 40years Area of Expertise: Credit, NPA Management, Business Development, Training & Human Resource Development.

Bank of Baroda (39 years) B.Com, M.A.(eng litt.) LL.B, Dip. in Computers, French, Faculty at ICSI. Area of interest: Social Service.