a) Central Banking / RBI Specialist – Regulation, Compliance, Supervision of Commercial / Cooperative / Regional Rural Banks, Banking Management and Corporate Governance, Compliance, Reporting Systems, Banking Technology Applications, including Basel II Risk Management Practices, Financial Inclusion, Micro Finance, Payment-Settlement Systems, Lean Banking, Operational Research in Banking & Financial Sector Technologies, etc.

b) RETD-DEPUTY GENERAL MANAGER), Department of Banking Supervision, RESERVE BANK OF INDIA, CHENNAI

c) Ex-RBI Nominee Director of a Regional Rural Bank, West Bengal,


d) Financial Management Assessment Consultant as a Leader for World Bank Projects for Funding under the Cooperative Banking Sector Reforms In India (Vaidhyanathan Committee Report) after retirement from RBI in 2007 and 2008.

e) Ex-Apex Committee Member of Indian Institute of Bankers for conduct of examinations in Southern Zone (Chennai) from 1999 to 2006


And Presently

a) Adviser and Senior Management Consultant (Banking & Finance),
M/S NCR Consultants Ltd, Chennai (World Bank Project Consultants & Consultants for Corporates, Financial Institutions, etc))

b) Member-Advisory Board
M/S Gradatim IT Ventures India (P) Ltd (MFI BPU Platform)

c) Adviser, Annamalai Capital Finance Services Ltd

d) Visiting / Adjunct Professor for
i) TA PAI Management Institute, Manipal (Karnataka),
ii) Chennai Business School,
iii) SMOT Business School, Chennai (Tamil Nadu),
iv) Crux Management Institute,
v) MOP Vaishnav College, Chennai,
etc.