I am a retired Banker after serving the PUBLIC SECTOR BANK (OBC) for 38 years as a PO to the post of Chief Manager (Credit). The large branches with typical human behaviour were handled effectively and retired as Chief Manger (Credit and Risk Management) at the corproate Level. I am now a free lancer and teaching MBA (Finance) in Bennett University Greater Noida for Retail Credit, Corporate Credit & Risk Management and Accounting and Finance for Bankers to the students on regular basis. I am Visiting Faculty for Banks' officers from Scale I to IV of various Banks like IDBI, Corporation bank, UCo bank, OBC, Vijaya Bank, Dena Bank through thier staff training college, AMITY university, BQ Academy, NIBSCOM, and running a Tech cell in 14 engineering colleges of District Palwal and Faridabad on behalf of NSTEDB (Ministryof Science and Tecnology) Govt of India for promotion of Entrepreneurship, problems solution of entrepreneurs in NIESBUD (Govt of India Undertaking).
I have provided the training to the executives of Airtel Payment Bank Ltd to their Executives for Customer acquistion, and Customer on boarding, KYC compliance and AML since Feb 2018
Taking the cases of departmental enquiry as a defense with free of cost for the honest cases and cases having malafide intentions are not taken up at all. Ethics and principales of Life is most important part of my life with no compromise on this issues.
I have authored a book titled "WORKING CAPITAL MANAGEMENT & FINANCE" published and released on 28 th May 2015 with second edition in 2016 So far more than 6000 readers have enjoyed the book with updation to 31.03.2016.The book has been authored for those officers /entrepreneurs/students who does not have any commerce back ground in very simple language of English.
The Book is an outcome of my 38 years of banking experience in branches, Credit Appraisal, Risk Management and my present association as faculty with premier Training and Educational Institutions viz. NIBSCOM, STC (OBC), STC (BOI), Andhra Bank, Punjab & Sindh Bank, Dena Bank, IDBI bank, Union Bank of India; Allahabad bank, BQ Academy, Amity University etc for last more than 10 years. Shri Himanshu Gupta has given the most valuable input on making subjects simple in understanding for officer having no commerce background which has enriched its contents.
In this Book, we tried to cover all practical aspects of WC Management & Finance from the perspective of Financing Bankers. Apart from the traditional working capital facilities like CC, LC,BG…etc; we have covered at length the hybrid products like Commercial Papers, Suppliers/Buyers Credits, Factoring, Forfeiting, Securitization of Receivables, Channel Finance, Vendor Finance etc with their detailed assessment process.
In the new addition, I have added Break even point, details of buyer's credit, rationalisation of cash credit over Rs 250 Crores, Drawing power in consortium accounts and new chapter no 27 has also been incorporated which has made the book more valuable titled as " Qualities required for an efficient and effective loan officer". It has been updated to 31.03.2016 keeping in view the changes in Companies act 2013. It has 398 pages and published by notion press.com Chennai. It is tagged at Rs 419/-
Large scale advances and predominant role of consultancy firms have necessitated the Bankers to be highly competitive. But unfortunately the Bank Officers lack in specialization due to severe multi-tasking like Deposit mobilization, Priority/Social lending, Financial Inclusion, Social Security Schemes like Insurance/Pension etc. They have very little scope and time to master the art of lending. As a result, they find it difficult to appraise the proposals with due competency and diligence
In order to address the above issues, it is a sincere effort to provide comfort to our fellow Bankers and finance manager through sharing of experience and knowledge so that they do their job with clarity and conviction.
The book is available at all leading stores on line like Flipkart.com amazon.com; amazon.in; bookadda.com; infibeam.com; notionpress.com/store tagged at Rs 419/- + shipping charges of Rs 30/- to 50 depending on quantity of books and also in kindle e-book form.
The other book titled "Credit appraisal & Analysis of Financial Statements" has also been authored and published in August 2017. This is tagged at Rs 449+ Postal charges. It is available on all leanding online store includting Notionpress.com (publisher of the book) By now 2500 copies have been sold on line. E-Book is also available for both the books.