IDBITC

In-house Faculty

Shri Joogulappa Venumala
Deputy General Manager

Qualification: B.Tech (Mechanical) form Jawaharlal Nehru Technological University, Hyderabad

Certifications: CAIIB

Work Experience : Total 23 years of experience in Banking

Previous Organization: Canara Bank – Joined in 1998 as Probationary Officer and worked for 10 years in various departments / tiers in Canara Bank worked as Officer, Risk Management Department and Industry Rehabilitation Department Head Office. At Regional Office, Advances Department. As a Branch Head in a Semi Urban Branch

IDBI Bank: Credit Officer, City MSME Centre, MSME Vertical – (2008 TO 2012) Faculty at IDBITC (2012 TO 2016), DGM, PSL Division & DGM –Assets – Zonal Office, Mumbai (2016-21)

Area of Expertise in handling sessions: Credit Policy / PSL Credit / PSL Guidelines / Due Diligence / MSME Credit / MSME Products / Working Capital Assessment / Term Loan Assessment / Risk Assessment / Module / Product Scoring Models etc.

Shri Veera Babu D
Deputy General Manager

Qualification: B. Com, MBA (Finance)

Important Certifications:

CAIIB from Indian Institute of Banking & Finance, Mumbai
Treasury Management from NIBM
Certified Credit Professional(CCP) from Indian Institute of Banking & Finance, Mumbai
SME Finance for Banker from Indian Institute of Banking & Finance, Mumbai
Accounting and Audit Professional from Indian Institute of Banking & Finance, Mumbai
AMFI Mutual Fund (Advisors Module) from NCFM
Certification from IRDA
Anti-money laundering and Know Your Customer from Indian Institute of Banking & Finance, Mumbai
Certified Information Systems for (CeISB) for Bankers from Indian Institute of Banking & Finance, Mumbai
Certificate in International Banking from Indian Institute of Banking & Finance, Mumbai
NSDL Depositories Operations Module from NCFM
Certificate in Trade Finance from Indian Institute of Banking & Finance, Mumbai

Work Experience: Total banking experience is about 21 years.
Total 15 years of experience with IDBI Bank under various departments/verticals comprising of:

8 years of experience in RBG Verticals in Various roles including BH role for 4 years.
6 years of experience in Finance and Accounts Department (FAD) and Corporate Strategy and Planning Department (CSPD) dealt in preparation of Business Plan for the Bank, Allocation of Budgets, Funds Transfer Pricing (FTP) & Branch Profitability etc

Expertise in handling sessions on :
1. Funds Transfer Pricing and Branch Profitability
2. Priority Sector Lending
3. Retail Liabilities (Business Opportunities in TASC, Govt. Accounts & Co-op Accounts)
4. KCC and Gold loans
5.MSME Products.
6. Branch Processed SRA products (AL/EL/PL).

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 Sai Ratna Prasad Vagicherla
Deputy General Manager

Qualification: Bachelor of Commerce, Master of Business Administration in Decision Support Systems, Bachelor of Law - LLB and Master of Philosophy in International Business - M Phil

Work Experience: 26 years + experience of which 24 years in banking industry. During these years in banking experiences has given opportunity to work in various capacities and roles in different verticals including.
Working with IDBI Bank since 2010. I have been entrusted with responsibility of DGM Branch Head in Retail Banking for 4 years, got opportunity to work in BOSPD at IDBI HO, and also worked as Executive Assistant to Executive Director and present posting as DGM and Faculty at IDBI training College.

Previous Organization: Worked in various capacities including Branch Head role with e-Oriental Bank of Commence Branch Banking branches in Hyderabad and Chennai for 11 years.

Area of Expertise in handling sessions:

Customer Service:

Customer Service - Managing customer efficiently, Customer focus, understanding the customer, customer expectations, addressing customer complaints, handling difficult customers, building customer relationships
Complaint Management - Converting Challenges of customer Complaints into Business Opportunity

Operations: Basics of Banking:

Contract of account opening, KYC / AML, A/c opening documentation for various types of accounts, latest trends on money laundering noticed at the Bank and in the industry
Branch Operations - Adherence to Operational Guidelines / Risk Management / Monitoring and controlling Branch Ops -Case Studies & Discussion
Important Control Areas in Cash Handling & Operation for Risk mitigation & Prevention
Generation, Checking and Preservation- of various critical reports related to TSE/CSE desk in particular and its significance in risk mitigation & prevention
TDS features and rules for nomination and claim settlement.
Clearing process and types of clearing and RTGS, NEFT and outstation Collections.
Risk mitigation &Prevention in handling of Deliverables – Cards , PINs, Control over Security Items, maintenance of register and reports.

Business Retail Banking :

Indian Financial system & the legal framework and Overview of IDBI Bank Evolution & Vision
Basics of Retail Liabilities - CASA Mobilization (Personal Banking Products - Saving Account like Core Saving Products, HNW Individuals, Corporate Payroll, Various Current Accounts, Capital Gain Scheme, TASC Accounts), RD, FD & Overdraft Against Fixed Deposit/Recurring Deposit (ODFD), Cross Selling & Third Party Distribution, Campaigns for Business; Challenges and Growth opportunities (Live Experiences & Case Study)
Business Writing and Drafting Skills E mail writing E mail and Telephone Etiquette
Business opportunities and Lead Generation
Overview SRA Business Mortgage (HL & ML) and Non-Mortgage (AL, EL, PL & CC, LAS & Credits Cards) 1.Banks Strategies 2.Business challenges and growth. 3. Current issues and solutions (Live Experiences & Case Study); Future Strategy and Bank Priorities
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

Non Functional

Conflict Management and People Management
Stress Management
Selling Process
Communication Skills
Corporate Etiquette & Grooming
Effective Communication and Negotiation Skills, Corporate Image building
Importance of Positive attitude and Working as Team Member

Shri Malleswar CVS Rao
Deputy General Manager

Qualification: B. Com and AICMAI

Certifications:

Certified Credit Officer (IIBF)
Certified Audit and Accounting Professional
Certified Treasury and Trade Finance

Work Experience: 26 years of Experience in Banking & Industry. Handled diversified responsibilities in various roles and capacities that range right from Branch Banking as Branch Head on the liabilities front to VLCG on the Corporate Banking as Relationship Manager for large corporate houses. On the recovery front, the experience spans from Retail Recovery to Corporate Recovery that includes resolution IBC. Have exposure in Trade Finance, internal investigations and disciplinary proceedings apart from Business Coordination at Regional Level.
Total 11 years of experience with IDBI Bank under various departments/verticals comprising of :

Finance Executive for a manufacturing company
- Arrangement & management of Bank Finance Consortium (2 yrs+)
Manager at erstwhile Global Trust Bank
- Wholesale Banking- Corporate Portfolio support, MIS, Documentation & TF
- Retail Banking – Relationship Manager –MSME & and TF) (4 yrs+)
Associated with IDBI from 2004 onwards.
- 2004-2006 Relationship Manager- Corporate Banking.
- 2006-2009 Branch Head- MCG
- 2009-2012 Relationship Manager MCG/LCG
- 2012-2016 Branch head- RBG & Regional coordinator
- 2016-2019 Relationship Manager-VLCG/ LCG
- 2019-2021 NPA Management Group- HO
- 2021-2022 Retail Recovery –Zone
- 2022-2023 Branch Head- RBG
- 2023- May- Faculty @ IDBI TC.

Area of Expertise in handling sessions:

Corporate Banking Products/ Credit Policy / Credit appraisal / Due Diligence / Assessment – WC & TL / Risk Assessment / Sanctioning process/ Documentation/ Monitoring/ Review /Renewal
MSME Credit / Documentation
Financial Accounting concepts/ Management Accounting/ Analysis of Financial Statements
NPA & Recovery IRAC Norms, SMA classification, NPA & Recovery Practical aspects & Challanges/ Corporate Recovery under IBC.

Shri Pavan Kumar Bachu
Assistant General Manager

Qualification: M.Com from Osmania University, Hyderabad

Certifications: CAIIB , IIBF

Work Experience: Total 25 years of experience of Banking , Working with IDBI Bank since 2003 and worked in various departments / verticals comprising of :
Total 11 years of experience with IDBI Bank under various departments/verticals comprising of :

8 years of experience in RBG Vertical in various roles including BH role for 6 years
7 years of experience in TBG Vertical in various roles including Government Business (Sales and Product), Cash Management Services and Trade Finance Department
5 years of experience in Centralized Operations and Branch Operations Department

Previous Organizations: Global Trust Bank and Manasa Co-operative Urban Bank worked in various departments viz., Retail Banking, Capital Markets and Clearing Operations.

Area of Expertise in handling sessions:

Basics of Banking
Retail Liabilities
Structured Retails Assets for RBG Branches
Customer Service
Third Party Product
Government Business
Cash Management Services
Trade Finance Products for RBG Branches
Branch Operations - Important control areas in Branch day to day operations
Clearing Operations

Shri Supreme Raj Chigururpati
Assistant General Manager

Qualification: B.C.A & M.B.A (HR & Marketing) Andhra University, Vishakapatnam

Work Experience: Total banking experience of 18 years, 13 years of work experience with IDBI Bank in various profiles out of which 6 years as Branch Head in Semi-urban and Metro branches. Has worked in various profiles in my previous organizations, Kotak, ICICI and Axis Banks.

Area of Expertise in handling sessions:

Basics of Banking
Retail Liabilities
Bank Operations
Customer Service
Structured Retails Assets for RBG Branches- Overview
Agri and MSME products- Overview
Documentation and security creation
Cyber security and Information technology

Shri Sairam Tippavajjula
Assistant General Manager

Qualification: M.B.A (Marketing) Osmania University, Hyderabad

Certification

JAIIB & CAIIB, Indian Institute of Banking and Finance(IIBF)
SME Finance, Indian Institute of Banking and Finance(IIBF)
AML-KYC, Indian Institute of Banking and Finance(IIBF)
Quantitative Methods for Banking & Finance , Indian Institute of Banking and Finance(IIBF)
Diploma in Treasury Investment & Risk Management , IIBF
Diploma in Commodity Derivatives for Bankers , IIBF
Certificate Examination in IT Security , IIBF
Certificate Course in Digital Banking , IIBF
Prevention of Cyber Crimes and Fraud Management , IIBF
Certificate in Trade Finance , IIBF
Diploma in Home Loan Advising , IIBF
NISM Series VI DOCE for Demat
NISM - Series V-A Mutual Fund Distributors
IC 33 for Life Insurance

Work Experience: Total banking experience of 20 years, 13 years of work experience with IDBI Bank. 12 years as Branch Head across various geographies. He has served in various capacities in retail bank branches with previous organizations HDFC Bank and HSBC.

Area of Expertise in handling sessions:

Basics of Banking
Retail Liabilities
Bank Operations
Customer Service
Third Party Products
Trade Finance Products for RBG Branches
Structured Retails Assets for RBG Branches- Overview
Agri and MSME products- Overview
Sales process
Corporate Etiquette & grooming

Shri Rajeev Kumar
Assistant General Manager

Qualification:

Post Graduate Diploma in Business Management from Faculty of Management Studies Institute of Rural Management, Jaipur.
B. Com from Patna University with distinction in Hons. Paper.

Certification

Certified Professional Behavioural Analyst (CPBA) on Completion of DISC from Target Training International Ltd., USA
Certification of Meta-NLP Practitioner Training in Neuro-Semantics and Neuro-Linguistic Programming from International Society for Neuro-Semantics, USA.
Professional Post graduate diploma in Train the Trainer with Learning & Development from Asian College of Teachers having accreditation from International Association for Quality Assurance in Higher Education (QAHE), World Certification Institute, European International University (EIU-Paris), NCC Education, UK & CPD Certification Service UK.
Certified Bank Trainer from Indian Institute of Banking & Finance
Undergone Faculty Development Program at IDBI Training College.

Work Experience:

Having total 15 years of work experience
Currently working as faculty at IDBI Training College
Worked in training vertical as faculty & program director in IDBI Bank
Worked in retail banking business as RM, AO & BH & corporate banking business as RM in IDBI Bank
Worked in Idea Cellular Limited as Team Leader for corporate post-paid connection

Area of Expertise in handling sessions:

Leadership Development
Communication Skills & Inter-personal Skills
Customer Service
Selling Skills
Time Management
Team Building
Stress Management & Work Life Balance
Meditation & Healing Health
Emotional Intelligence
Business Ownership
Peak Performance & High Productivity
Conflict Management & People Management
Corporate Etiquette & Grooming
Negotiation Skills

EXTERNAL TRAINING SESSIONS CONDUCTED FOR

Reserve Bank of India
Indian Institute of Banking & Finance
Central Bank of India
UCO Bank
Bank of India
Bihar Gramin Bank, Head Office
National Insurance Ltd.
Controller of Defence Accounts, Patna
National Cadet Corps
50 Major Micro Finance Institutions of India from West Bengal, Odisha & Uttar Pradesh

ZTCs Faculty

In-house Faculty

ZTC KOLKATA

Shri Pronuj Kumar Pegu
Deputy General Manager

Qualification: M.Sc. in Economics, Master of Business Administration in Finance

Certifications: Certified Financial Planner, JAIIB from India Institute of Banking & Finance, Mumba, 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

Joined IDBI Bank Ltd. in 2008.

Worked in various departments, headed Credit Processing Centre, worked as Branch head and RPU Head

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

Smt. Nalini Dalvi
Deputy General Manager

Qualification: Bachelor of Arts in Psychology and Sociology from Mumbai University. Post Graduate in Public Relations and Corporate Communication from XIC -Xavier Institute of Communication

Certifications: IRDA and AMFI Certified

Work Experience: Total 22 Years of banking experience with IDBI Bank, worked as Product Manager in Head Office for TPD products, CCU Head in Pune and Branch Head at multiple locations in Mumbai and Pune. Have 2 years of working experience with Indian Express Group in the PR department.

Area of Expertise in handling sessions:

Functional:

Retail Liabilities and various liability products
Third Party Products viz. Mutual Funds, General Insurance & Life Insurance
Branch processed SRA Products viz AL, EL & PL
MSME Products overview and salient features as per Bank’s guidelines
SRA products overview HL/ML /LAP and salient features

Non-Functional:

Customer Service Sales Orientation/Customer Management
Conflict Management & Negotiation Skills
Complaint Management
Communication Skills
Team Dynamics

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

ZTC CHANDIGARH

Raj Kumar OJha
Deputy General Manager

Qualification: B.Sc.(Hons) Physics, Dual MBA in Finance & Information System .

Certification

JAIIB & CAIIB from India Institute of Banking & Finance, Mumbai,
Certified Credit Professional from IIBF
Certificate in Risk in Financial Services Level-1
Certificate in SME
Certificate in Anti Money Laundering & Know Your Customer

Work Experience: Total 14 Years & 6 Months of banking experience with IDBI Bank, Overall Banking Experience of 24 Yrs. Worked with Central Bureau of Investigations for 1Yr 1month.

Area of Expertise in handling sessions:

Concept of Term Loan
CMA Analysis
Priority Sector Lending,
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
Advanced Excel
Digital Banking & Information System Security

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

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

Shri Anuj Bhardwaj
Assistant General Manager

Qualification:

Diploma in Business Computing , NSW Business College , Sydney, Australia-1996-1997
Masters in Public Administration- Panjab University, 1993-1994 (Stood second in Deptt.)
Graduation in Commerce –Panjab University- 1990-1993 (Stood second in Deptt.)

Certification

JAIIB from The Indian Institute of Bankers in the year 2002
Commercial Banking Programme of Indian Bank, Chennai
AMFI certification.
CDSL certification.

Work Experience: I am a Finance professional with 31 years plus experience. During my diverse assignments, I developed deep expertise in Retail Banking, Client Management, Relationship Management, Business Development, Cash & Liquidity Management, Infrastructure & Project Financing and Compliances. I started my career with IDBI Bank Ltd. www.idbibank.com] in 1991, which was then a development bank and subsequently was transformed into a commercial bank in 2006. I have held various responsibilities in the Retail Banking as a Branch Head, Centre Head (Retails Assets), Head Currency Chest, etc. and have honed my skills in Retail Liabilities. The combination of the educational background and the unique skill sets at the professional level of both development banking at the institutional level and commercial/retail banking at the grassroots level has enabled me to develop a well rounded view of Retail Banking.

Area of Expertise in handling sessions: Expertise in Retail Banking, Retail Liabilities, Basics of Banking, Overview of Vigilance Function, Role of TSE/CSE-Retail Liabilities Overview & Products, Sales Orientation- Stopping attrition through bench fencing. Generation, Checking and Preservation- of various critical reports related to TSE/CSE desk in particular and its significance in risk mitigation & prevention &

ZTC NAGPUR

Dr. Manish Deodatta Dodkey
Deputy General Manager

Qualification:

Bsc (Agri)
M.Sc Agri (Agricultural Economics),
Ph.D (Agricultural Economics)

Certifications: JAIIB &Certificate Examination For Business Correspondents / Facilitators from India Institute of Banking & Finance, & Certificate on Credit Management from National Institute of Bank Management

Work Experience: Total 21 Years of banking experience with 5 Yrs Experience at Erstwhile United Western Bank Ltd and 16 Years in IDBI Bank, Before that 5 years’ Experience of Rural Research Projects of NABARD at Pune Worked in various Rural and Semi Urban/Urban Branches in different parts of Maharashtra as well as in Karnataka . Handled operational Desk of the Branch to Branch Head position of. Also worked at Corporate Office Mumbai in Priority Sector Group, Agri Business Group, Credit Monitoring Group , Financial Inclusion Group

Area of Expertise in handling sessions:

PSL Products overview and salient features as per Bank's guidelines
Agri Products like KCC, Gold Loans, Farm Mechansation, and Warehouse Receipt
Concepts of SHG & JLG Finance-Micro Loans (SHG/JLG), Financial Inclusion, Financial Literacy & Role of BC / BF in FI
Priority Sector Lending, Concept of lead bank/BLBC, Govt. Sponsored Schemes

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

ZTC LUCKNOW

Smt Neeharika Upadhyaya
Deputy General Manager

Qualification: MBA in Finance Major and Marketing Minor

Certifications:

Certificate Examination in AML/KYC from IIBF
Certificate Examination in SME Finance for Bankers from IIBF
Certification on TPD by IRDA

Work Experience: Total 20 Years of experience in the Banking Industry and 15 years with IDBI Bank. I have worked as a Regional Head Third Party Distribution, DGM, Liabilities & TPD Lucknow Zone and DGM Asset at Lucknow Zone. I have an experience of being a Branch Head for 10 years for Metro locations. I have handled multiple profiles in Retail Banking.

Area of Expertise in handling sessions:

Asset related:

Concept of Term Loan
Priority Sector Lending, 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
Financial Inclusion, Financial Literacy & Role of BC / BF in FI

Liability Related :

Retail Liability 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
KYC & AML guidelines
Overview of IDBI Bank- Evolution, Vision
Basics of Banking – Contract of A/c opening, KYC/AML, Necessity of Introduction, A/c opening documentation for various types of accounts its Importance for Risk Mitigation & Fraud Prevention

Non Functional :

Effective communication Skill: Why & how we do; Listening Skills - gate to effective communication.
Etiquette & Grooming and their impact on Customer Service
Interacting with customers – Verbal & Non verbal Communication Skills (including dealing with agitated customers)
Corporate Image Building 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.
Team Dynamics

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 DELHI

Smt Deepika Kispotta
Deputy General Manager

Qualification: BA Economics from Delhi University

Certifications:

JAIIB & CAIIB from Indian Institute of Banking and Finance (IIBF) Mumbai).
Certificate on KYC & AML from IIBF
Certificate on MSME from IIBF
Certificate on Prevention of Cyber Crime and Fraud Management from IIBF

Work Experience: Total 21 years of experience in the Banking Industry.

Joined IDBI Bank Ltd. in 2008.

Worked in various departments, headed Credit Processing Centre, worked as Branch head and RPU Head

Area of Expertise in handling sessions:

MSME
KYC
Soft Skill

Smt. Harveen Juneja
Assistant General Manager

Qualification:

B Com(Hons) from Barkatullah University, Bhopal
MBA in Finance & Marketing (Dual Specialization) from IMS, DAVV University, Indore

Important Certifications:

AMFI NISM Certification
NCDO certification in depository operations

Work Experience:

17 years (joined bank on 13th June 2005)

14 years experience in Retails Branches under various roles.
4 years experience at RBG Delhi Zonal Office as Zonal Coordinator- Liabilities & TPD
At present posted as Faculty at ZTC Delhi

Area of Expertise in handling sessions :

Functional

Retail Liability products including ( SB/CA/FD/RD/NRI)
Branch Operations ( Cash Management, Locker, Deliverables, FDOD, Reports )
Customer Service and Complaint Management
Role of TSE/CSE
Role of RM/RO – Co-owning the Branch Business Target Customer profiling
TPD Product Overview.
TPD Products Over View: LIC Products in focus
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)
Capital Market Operation Process & Guidelines, Demat / LAS a/c
iTouch CRM

Non- Functional

Corporate Etiquettes & Grooming
Team Dynamics
Emotional Intelligence

ZTC BHUBANESWAR

Shri. Paresh Kumar Mahana
Deputy General Manager

Qualification:

M.Sc (Agri)
Post Graduate Diploma in Banking & Finance from Symbiosis, Pune

Certifications:

CAIIB
Certified Credit Professional – IIBF
Certification in Risk in Financial Services – Level 1 – IIBF
Risk in Financial Services – Level 3 – Chartered Institute for Securities & Investment (CISI) , London and IIBF
Certified Bank Trainer – IIBF - NIBM
Certified Treasury Professional - IIBF
Certificate in Quantitative Methods for Banking & Finance - IIBF,
Certification in SME Finance – IIBF ,
Certification in Trade Finance - IIBF
Certification in AML-KYC - IIBF,
NCFM - NSDL Depository Operations Module ,
NCFM - AMFI Mutual Fund (Advisors) Module,
NISM Continuing Professional Education for Depository Operations (Renewal),
IC 34 for General Insurance,
IC 33 for Life Insurance ,
NISM - Series V-A Mutual Fund Distributors

Work Experience: Over all more than 24 years’ experience in banking industries. Out of which 10 years in IDBI bank comprising various roles as

Credmin officer in Agri Processing Center
Branch Head
Business Development Manager

Area of Expertise in handling sessions:

Have handled a session in retail credit. Can handle session on

Priority Sector Lending, Concept of lead bank/BLBC, Govt. Sponsored Schemes
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, NRLM
PSL Norms & RBI Guidelines
SLBC Concept & Lead Bank approach and “ Govt. Sponsored Schemes and “State Specific - Critical aspects of subsidy administration
Corporate BC model
Overview of MSE products with emphasis on Sahaj Vyapar and CGTMSE
Warehouse Receipt & Produce Marketing Loan – with illustrations / examples
Dairy & Poultry Product - Salient features– As per bank’s guidelines.
Agri Products - Farm Mechanisation , Minor Irrigation, IDBI Kisan Power, Kisan All purpose loan, Kisan Vehicle loan

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

ZTC BENGALURU

Shri Anil Gopal Panicker
Deputy General Manager

Qualification: B.Com. JAIIB,CAIIB

Certifications:

Certificate course in SME financing- from IIBF
Certificate course in Trade Finance from IIBF

Work Experience: Total 28 Years of banking experience with IDBI Bank , Worked in various departments in IDBI like Corporate Banking, Trade Finance, Retail Banking, CPC/CSC, Retail Recovery, HR, Admn, etc.

Area of Expertise in handling sessions:

Have handled a session in retail credit. Can handle session on

Corporate Banking- Working Capital Financing
Disbursement of Loan ( Working Capital & Term Loan) – End use verification – Monitoring- Follow-up of loans
Trade Finance Products
Retail Recovery
Understanding of Financial Statement

Smt. K B Nivedhitha
Assistant General Manager

Qualification: B.E

Certifications: JAIIB

Work Experience: Over 14 Years of banking experience with IDBI Bank, Worked in RBG, RPU and Audit

Area of Expertise in handling sessions:

Basics of Banking - Contract of account opening, KYC, Re-KYC norms and Importance, “Latest trends on money laundering noticed at the Bank and in the industry with case studies”. Necessity of introduction, Account opening documentation for various types of accounts and operational / general guidelines.
Operational Risk management through Effective Housekeeping - Security items management: Debit cards, I-pins, cheque books, gift cards, welcome kit / Business Continuity Management ereg updation : Key movement
Fraud control & mitigation by better operational control
Orientation for Risk based Audit requirements
Generation, Checking and Preservation- of various critical reports related to TSE/CSE desk in particular and its significance in risk mitigation & prevention
Cyber Security

ZTC CHENNAI

Dr. Sunil C.V.
Deputy General Manager

Qualification:

B.A in Sociology, Philosophy from Mahatma Gandhi University
Bachelor of Law (LLB) from Mahatma Gandhi University
M.B.A from Indira Gandhi National Open University
PhD in Management from Karpagam University, Coimbatore

Certifications:

CAIIB from Indian Institute of Banking and Finance (IIBF), Mumbai
Certification IN KYC & AML from IIBF
NCFM-NSDL Depository Operation Module
IRDA, NISM, AMFI
Certification in Trade Finance
AMT from AIMA New Delhi
Certified Bank Trainer from IIBF in association with NIBM

Experience: Over 20 years in IDBI Bank. Handled various positions Branch Head, Centre Head-RAC,

Zonal Manager –TPD, DGM & Regional Head- SRA- Sales.

Area of Expertise in handling sessions:

Functional

SRA products /Documentation for SRA products
Liability Products & TPD
MSME product overview, sanction, documentation and disbursement
Branch Operations ( Cash Management, Locker, Deliverables, Deceased Claims, FDOD, Reports )
KYC/AML

Non Functional

Sessions in Unnati Program
Leadership, Team Work

Smt. N Elavarasi
Assistant General Manager

Qualification:

MBA - Finance and HR (Dual Major) from University of Madras
B.E. - Specialized in Electronics & Communication Engineering from Anna University

6Important Certifications:

CAIIB from Indian Institute of Banking and Finance (IIBF)
Certificate in Trade Finance from Indian Institute of Banking and Finance (IIBF)
Certificate Examination in AML/KYC from Indian Institute of Banking and Finance (IIBF)

Experience: Total 14 years’ experience with IDBI Bank under various departments;

Zonal Manager –TPD, DGM & Regional Head- SRA- Sales.

Area of Expertise in handling sessions:

Functional

SRA products /Documentation for SRA products
Liability Products & TPD
MSME product overview, sanction, documentation and disbursement
Branch Operations ( Cash Management, Locker, Deliverables, Deceased Claims, FDOD, Reports )
KYC/AML

Non Functional

Sessions in Unnati Program
Leadership, Team Work