Academic Channels - CAB - Reserve Bank of India
Academic Channels
Agriculture, MSME & Inclusive Finance Channel (AMI)
Dr. K. Subramanian
Educational / Professional qualification
B.E. (Agricultural Engineering)., M. Tech. (Water Resources) from IIT, Kharagpur, Ph.D. (Irrigation) from Tamil Nadu Agricultural University, Coimbatore, Certified Associate of Indian Institute of Banking and Finance (CAIIB), DBF (Business Financing) from ICFAI.
Dr. Subramanian is on deputation from NABARD since April 2023 and has got an experience of two decades of working in NABARD in various areas related to financing of rural infrastructure projects, appraisal of agriculture projects, watershed projects, tribal development projects, Farmers Producers Organisations, Value chain financing, Revival of rural cooperative credit structures, etc. He has served as a District Development Manager (DDM) for six years in Thanjavur district of Tamilnadu and involved actively in promotion of farm sector and rural non-farm sector through technology transfer and institutional credit flow. He has conducted various studies on different topics related to agriculture and rural financing. He has also been involved in conduct of awareness and capacity building programmes for the stakeholders viz., bankers, NGOs., FPOs, SHGs and farmers.
Research: Dr. Subramanian has done his research on “Hydraulic performance of drip irrigation system under emitter clogging” for his doctoral programme in TNAU, Coimbatore with the support of CSIR research fellowship and on “Hydrological modelling of a watershed for irrigation planning” for his PG programme at IIT, Kharagpur. He has published more than 10 research papers in international as well as national-level journals.
Specialisation: His areas of interest include Water resources & irrigation systems, Watershed management, High-tech Agriculture, Storage and value addition in agriculture, Farmers’ collectives and Marketing of agricultural produces.
Shri Sachin Kamble
Educational / Professional qualification
B.Tech. (Agricultural Engineering), M. Tech. in Soil and Water Conservation Engineering.
Shri Sachin Kamble joined NABARD in 2004 and is on deputation to CAB Pune from April 2023. He has experience at NABARD in areas relating to the implementation of natural resources management programmes, designing and implementation of climate change and sustainable development projects, agricultural project financing, farmer producer organisations and preparation & monitoring of credit plans. At NABARD Head Office, he was closely involved in channelising national and international climate finance for adaptation and mitigation projects and capacity building of stakeholders in India as well as in the South Asian region.
His areas of specialization include climate and sustainable finance, agriculture project finance, value chain finance, water resources & infrastructure finance, natural resources management and credit planning.
Shri Murlee Krishna. M
Educational / Professional qualification
B.A.L, LLB, MBA (Banking & Finance), Certified Associate of Indian Institute of Banking and Finance.
Shri Murlee joined the Bank in 2006 and has experience in areas relating to Financial Literacy, Financial Inclusion and Development, Supervision of Commercial Banks and IT Project Management. He has inspected head offices of various PvSBs & PSB under Risk Based Supervision and Camels approaches. He also has wide experience as Lead District Officer of the Bank in Gujarat and Kerala. His areas of specialization include Banking regulation and supervision, Compliance, Risk Management, MSME financing, Priority Sector Lending, Financial Literacy, and Customer Service in banks.
Smt. Anita Kumari
Educational / Professional qualification
B.Sc. (Agriculture) (Gold Medallist), MBA (Finance), CAIIB
Smt. Anita Kumari joined the Bank in 2008. She has experience in areas relating to customer protection and grievance redressal, government banking, human resource and currency management. She has worked as Deputy Ombudsman in one of the Ombudsman Offices and was directly involved in dealing complaints. She was actively involved in Policy making related to agency commission and Inspection of Agency Banks undertaking Government Banking.
Shri Nagarjun Gowrishankar
Education/ Professional qualification
B.Sc (Economics) (Hons.), MBA, FRM (GARP, USA)
Prior to joining the Reserve Bank of India, Shri Nagarjun Gowrishankar worked in diverse areas ranging from capacity building for teachers, curating Indic programmes for tourists from foreign countries and credit monitoring in Small Industries Development Bank of India (SIDBI). Before taking up the current role in the CAB as Member of Faculty (MoF), he worked in the Financial Inclusion and Development Department (FIDD), Central Office (CO) and Department of Supervision (DoS), CO. During his stint in FIDD CO, he was part of the team which drafted the National Strategy for Financial Inclusion (NSFI: 2019-2024) and National Strategy for Financial Education (NSFE:2020-2025). Further, he provided research support to RBI official who was India’s co-chair in the Global Partnership for Financial Inclusion (GPFI)’s subgroup on Regulation and Standard Setting Bodies.
During his stint in Department of Supervision, he has supervised Urban Co-operative Banks wherein he gained experience in the areas of Board & Governance, Capital Assessment, Credit, Market and Liquidity Risk. While supervising NBFCs with Digital Lending Arrangements, he gained a deeper perspective about the emerging risks and challenges brewing in the financial system.
His areas of specialization include policy making in Developmental Finance to strengthen financial inclusion and reduce inequality. He is a Certified Yoga Instructor and is passionate about applications of Yoga for physical, mental and emotional wellbeing.
Human Resources and Leadership Channel (HRL)
Captain Shubhabrat Agrawal
Educational / Professional qualification
BA, MBA, Certified Associate of Indian Institute of Banking and Finance
Capt Agrawal has two decades of experience working with Reserve Bank of India. Prior to joining RBI, he was a Commissioned Officer of the Indian Army and has led his team successfully in most challenging situations during active operations. He has experience of working in the Currency Management, Banking, Human Resource, Premises and Developmental Banking.
His area of interest lies in Leadership, Motivation, Communication and Human Resource Development.
Smt. Puja Sharma
Educational / Professional qualification
B.Sc (Chemistry), M.A. (Business Economics), MBA (Banking and Finance) (Gold Medallist), Certified Associate of Indian Institute of Banking and Finance, Certificate in Treasury and Risk Management, Certified Bank Trainer from IIBF.
Ms. Sharma joined the Bank in 2002 and brings with her over two decades of experience in diverse areas including Human Resource Management, Training and Development, Consumer Protection, and Supervision of cooperative banks, and NBFCs. Her areas of specialization include financial inclusion, financial literacy, financial consumer protection, workplace behaviour and interpersonal skills.
Information Technology & Payment System Channel (ITPS)
Shri Saugata Chakraborty
Educational / Professional qualification
M. Com. (University of Calcutta); Certified Associate of Indian Institute of Bankers; ACI Dealing Certificate
Shri Chakraborty had joined RBI in 2005 and has experience of working in the areas of Banking, Currency Management, Premises, Human Resources, Market Operations and Intelligence and Non-Banking Supervision. He is a published author and has been associated with B-Schools and Police Training Academies as a speaker on financial markets and frauds.
Shri K Suresh Kumar
Educational / Professional qualification
B.Sc., MBA, CAIIB
Shri K Suresh Kumar joined the Bank in 2002 and experienced in Currency Management, Non-Banking Supervision, Deposit Insurance and Internal Audit.
Shri Paresh Karde
Education
Bachelor in Engineering in Computer Science, PG Diploma in Management, a Certified Associate of Indian Institute of Bankers and a Certified Information Systems Security Professional.
Prior to joining the Reserve Bank of India, Shri Karde spent nearly seven years working in multinational IT companies. During this time, he took on a range of responsibilities, including project management, business case development, software development and so on.
Before taking up the current role in the CAB as MoF, he worked in the Department of Supervision for almost nine years. In the beginning, being the part of the Senior Supervisory Manager team, he actively involved in supervising the banking sector. After gaining valuable experience in that role, he transitioned to the Cyber Security & IT Risk group (CSITE).
During the tenure in CSITE, he had the opportunity to handle a diverse set of responsibilities. These included formulating policy guidelines in cyber security, conducting onsite assessments of various regulated entities' cyber security controls, establishing an offsite surveillance mechanism, handling SupTech projects, implementing the Cyber Incident Reporting framework, developing compliance assessment frameworks, and engaging in data analysis, among other tasks.
Management, Regulation & Supervision Channel (MRS)
Educational / Professional qualification
BA (Economics), MA (Analytical and Applied Economics), M.Phil. (Economics)
Shri Hari Prasad joined the bank in the year 2005 and has experience of working in departments related to Human Resource Management, Government Banking, Supervision and Enforcement. During his tenure in Department of Supervision, he has inspected/ supervised some of the largest private/public sector banks as well as foreign banks, for close to eight years, and conducted on-site assessment of areas like capital, credit risk, market risk, liquidity risk, operation risk, pillar II risk etc. He has been a part of the teams that rolled out Risk Based Supervision model and compliance testing tool and has also been associated with the business risk optimisation team.
Shri Hari Prasad has close to five years of experience in Enforcement Department at Central Office during which he had many scheduled commercial banks (private sector, public sector, foreign banks) under his jurisdiction. During this period he was also appointed as the Nodal officer for all FATF’s mutual evaluation related activities.
Educational / Professional qualification
B. Sc (Maths), MBA (Finance), Postgraduate Award in Financial Markets & Financial Risk Management from Warwick Business School, UK, FRM (GARP, USA), CFA (CFA Institute, USA)
Experience: Shri Pandey had 9 years of experience in bank regulation. He handled Basel II and Basel III implementation, formulation of framework and assessment of Domestic Systemically Important Banks, assessment of market risk models of banks and formulation of guidelines on various aspects related to credit risk. He also had 5 years of experience in supervision in the areas like On-site inspection of Public Sector Banks covering areas such as assessment of capital, credit risk, market risk and liquidity risk, Headed Market Risk Group at Risk Specialist Division, DOS, CO for one year. He also Worked as Senior Supervisory Manager (SSM) of Punjab & Sind Bank for one and half years.
International Experience: Shri Pandey was part of Basel Committee on Banking Supervision’s Regulatory Consistency Assessment Programme of Mexico in 2014-15. He worked as member of Basel Committee on Banking Supervision’s Quantitative Impact Study (QIS) working group formed to assess the impact of Basel III regulatory reforms (2015-17). He was also the part of International Monetary Fund’s Technical Assistance Mission to Papua New Guinea to assist them on formulation of regulations applicable to financial institutions (March-April 2021).
Educational / Professional qualification
B.Sc (H) Physics, Hindu College (Delhi University); Certified Associate of Indian Institute of Banking and Finance (CAIIB).
Shri Abhishek joined the bank in 2008. His areas of experience include Supervision of Commercial banks & Urban Cooperative banks, IT project management, HR Operations and budgeting. He has inspected head offices of various PvtSBs, PSBs and SFBs under Risk Based Supervision approaches. He has also inspected Urban Co-operative banks situated in Gujarat. His areas of specialization include banking regulation and supervision, Compliance, Risk Management, Customer Service and Capital adequacy.
Educational / Professional qualification
M.Com, MBA (Banking & Finance), Certified Associate of Indian Institute of Banking and Finance, Certification in Risk Management, Anti-Money Laundering & Know Your Customers (AML/KYC), Diploma in System Administration (DISA) (consists of three certifications viz., (i)Certification in IT Security, (ii)Certification in Prevention of Cyber Crimes and Fraud Management & (iii) Certification in Information System Banker)
Smt Mala joined the bank in the year 1999. Before joining CAB, Pune she worked in the Central Office/Regional offices of Department of Banking Supervision and Regional office of Enforcement Department for over a decade. She has inspected Commercial banks and Cooperative banks (onsite and offsite) both under CAMELS and Risk Based Supervision models and was involved in the quality assurance of RARs of Private Sector Banks.
Her areas of specialization include Banking Regulation and Supervision, Compliance, Risk Management, Customer Service, MSME financing, Governance, Anti-Money Laundering & Know Your Customers (AML/KYC), enforcement and Priority Sector Lending
