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RESUME
Name: Chandanathil P. Mohan
Age: 58
Nationality: Indian
Current Affiliation: National Bank for Agriculture and Rural Development (NABARD)
Latest Assignment: Independent International Consultancy on Mid Term Review of European
Union funded “Community Savings and Loan Schemes for the Rural Poor” at Lesotho,
Africa.
Designation: Chief General Manager
Employment Record in Brief
S.No. Designation Affiliation Period
1 Chief General Manager NABARD June 2014 onwards
2 General Manager NABARD June 2013 to June 2014
3 Managing Director NABARD Financial Services
Limited (Subsidiary of
NABARD)
June 2009 to June
2013
4 Deputy General
Manager
NABARD, Jharkhand
Regional Office
July 2007 to May 2009
5 Faculty Member & Rural
Banking Channel
Coordinator
College of Agricultural
Banking, Reserve Bank of
India, Pune (on Deputation
from NABARD)
May 2002 to July 2007
6 State level responsibilities
Assam, Meghalaya, and
Kerala
NABARD September 1986 to
May 2002
7 Various positions such as
Senior Sales Officer and
Senior Purchase Officer
Gujarat Cooperative Milk
Marketing Federation, Anand
which markets the AMUL and
SAGAR brands
March 1982 to
September 1986
8 Agricultural Officer Dept. of Agriculture, Govt. of
Kerala
July 1979 to March
1980
Education
Institute Year Qualification Division
Institute of Rural
Management Anand
(IRMA); Gujarat,
India
1982 PGDRM NA
G B Pant University
of Agriculture and
Technology,
Pantnagar,
Uttarakhand; India
1979 BSc. (Agriculture &
Animal Husbandry)
First
Areas of Expertise
1. Rural Finance and Financial Inclusion: Expansion of rural credit through innovative
approaches, client friendly products and appropriate delivery with inclusion in growth as
focus.

2. Expansion of microfinance overcoming barriers through a value-based and ethical
approach.
3. Microfinance: Strengthening outreach models based on correspondents and facilitator.

4. Development Banking: Project appraisal, monitoring and strategizing in the areas of
Agriculture and Rural Development.
5. Training and Capacity Building: Ability to design and deliver innovative training
programmes; organise inland and foreign exposure training programmes.
Key Individual Strengths
 Placing organization’s interests above everything else
 Leading from the front in institution building with a results-based approach Leveraging
strengths of organization’s human resources to achieve time-bound goals
 Strategizing to meet challenges and adapt the organization to new environments and
situations
 Team player with the ability to communicate and build rapport with a wide variety of people
 Work seamlessly with staff at the field level to those at the board
 Hands-on approach to problem solving involving people at different vertical and
horizontal levels Readiness to think independently, consult peers and assume
responsibility for decisions
 Ability to communicate and build rapport with diverse stakeholders
Overview of major responsibilities/ achievements during key assignments
SN Position Major Responsibilities / Achievements
1 Chief General Manager Responsible for all activities of NABARD for the State of
Uttarakhand, India. The responsibilities include handling total
annual business budget of Rs.1500 Crore (USD 250 Mn). Other
responsibilities are outcome based grant funding of Rs.8 Crore
annually (USD1.33Mn) to NGOs and other CBOs; monitoring
grant outcomes such as formation and nurturing of about 12000
SHGs, 10 watersheds, 5 Tribal Development Projects, Rural
Entrepreneurship Training Programmes; engaging in institution
building of Cooperative and Regional Rural Banks including
technology up-gradation, internal capacity building etc. ;
overseeing Statutory Supervision
2 General Manager Took over new responsibility from July 2013 and major
achievements include detailed review of work process and
preparation of approach note for revamping Supervision of Rural
Financial Institutions; achievement of all targeted Supervisory
responsibilities and finalization of new manuals for onsite
Inspection of Banks; Stabilsation of Offsite Supervisory returns
and generation of warning signals.
3 Managing Director, 250% growth on all major financial parameters over three years
Formulated effective staffing
Implemented well-structured and user-friendly process flows and
protocols for a start-ups
Built high quality portfolio of Rs 375 Crores in three years from NIL
portfolio (2009) in a very difficult environment during a period when
the MFI sector was in the midst of credibility crisis related to fair
practices and regulation
Spread the footprint of the Company from zero to 46 districts and
disbursed total credit of RS.680 Crore in three years with 99.95%
on time repayments.
Developed highly motivated and committed teams
Developed a network of 113 Business Correspondents across four
States.
Improved implementation of watershed projects.
Lead a Team of officers to prepare Comprehensive Agriculture
Development Project for Jharkhand.
Micro credit delivery movement through NGO/SHG network for the
first time in Meghalaya, the pioneering SHG credit linkage
programme in the entire North Eastern Region
NABARD Financial
Services Limited
4 Deputy General
Manager, NABARD,
5
Jharkhand
Asst. General
Manager,

Highlights of Responsibilities in the previous three executive positions
Managing Director,
NABARD Financial
Services Limited
June
2009 to
June
2013
Leadership and board level responsibility, reporting to
Chairman
Responsible for rolling out operations of the company
from start
Liaison with both State Government’s at the top level
and with CEOs of large NGOs
Responsible for formulating and implementing the
business model, business processes
Promoting a work culture based on a value and
results-based approach
Institutional Development, Production Credit,
Investment Credit, State Projects and NABARD
Consulting Services
Overall control and administration of the NABARD
Office at Shillong which look after the organization's
affairs in Meghalaya
Deputy General
Manager, NABARD,
June 2007
to June
Jharkhand 2009
Asst. General Oct 1993 to
Manager, NABARD June 1997
Office at Shillong
Other Major Non-Executive Responsibilities
Consulting and Human Resource Development
 Independent International Consultancy on Mid Term Review of European Union funded
“Community Savings and Loan Schemes for the Rural Poor” at Lesotho, Africa.
 Support to the Khan Committee on Micro finance and Rural Credit of RBI
 Member of Study team MIS of Urban Cooperative Banks.
 Member of Project Team in collaboration research with Reading University, U.K.
as "Towards Ensuring financial services to the poor" (DFID Project)
 Inputs to Country Plan Preparation for UNDP at Delhi
 Faculty at College of Agricultural Banking , Reserve Bank of India, Pune training
executive officers and contributing to research
 NABARD Consulting Services
Areas and Sectors Covered by Domain of Experience
 Institutional Development
 Production Credit
 Investment Credit
 Managing State Projects
 National efforts such as: a) rural innovation fund b) venture capital fund and
developing rural godownS.
 Training and Capacity Building
Membership of Boards/Important Committees
 Member Secretary, Board of Directors, NABARD Financial Services
 Member of the Board of Directors of the Ka Bank Nongkyndong Ri Khasi Jaintia
 (the Regional Rural Bank in Meghalaya) ;
 Member of various State level committees; Member of High Power Committee on
Crop Insurance;
 Member of High Power Project Monitoring Committee on Rural Infrastructure
 Development Fund.
AWARDS & ACHIEVEMENTS
1. Merit certificate by NABARD for contribution of system improvement suggestion.
2. Chartered Associate of Indian Institute of Banking.
3. Awarded ICAR Junior Fellowship in Plant Breeding and Genetics.

COUNTRIES VISITED
1 Brazil 5 Malaysia 9 Sri Lanka 13 Mozambique
2 France 6 Nigeria 10 The Netherlands 14 Nepal
3 Germany 7 Singapore 11 UAE – Dubai 15 Lesotho
4 Italy 8 South Africa 12 United Kingdom 16 Seychelles
ARTICLES PUBLISHED
Sl. No. Title Publication
1 Challenges of Lending to Agricultural
Sector
CAB Calling
2 Agricultural Agenda in Inclusive Growth Bancon - 2006
3 Information Bureau for Microfinance in
India
With Shri S Sahu, Seminar on
Microfinance by Ekgaon
Technologies, at Virudunagar.
4 Micro finance and RRBs: The best fit CAB Calling
5 Cooperative Governance : The Case for
a New
Paradigm
CAB calling
6 Products, Processes and Institutions for
Financial Inclusion : Experiences from
Brazil and South Africa
CAB calling, September 2007
7 Responsible Banking and Financing
Sustainable Agriculture
CAB calling December 2009
8 Micro Finance Institution Regulation:
Case For Hybrid DNA Institutions
Journal of 2011 Microfinance
READING MATERIAL FOR TRAINING
1. Overview of Agriculture & Rural Sector
2. Agri Export Zones
3. Agro Climatic Conditions
4. Cropping Patterns and Diversification
DETAILS OF TRAINING UNDERGONE
A Trainings Undergone
1. 4 week induction training : Sept. - Nov. 1986
2. 3 week Programme on IRDP Financing
3. Training on Nominee Directors on Boards of RRBs.
4. Workshop on Human Development Initiatives
5. Induction Programme for IDD Officer
6. Management Development Programme
7. Executive Development Programme
8. Personal Growth Lab, XLRI
9. Programme on Financing SHGs, XIM, Bhubaneswar
10. Trainers Training on Rural Projects, NIRD
11. 6 Month Training Programme on NFS at NISIET DIC, Canara Bank, Bank of Baroda,
Industrial Consultancy Organization, Handloom and Coir cooperatives etc.
12. Exposure visit to Sri Lanka on micro finance and SANASA.
13. Development Centre for Senior Officers, BTC.
B Important Training Organised / Coordinated
1. International Exposure Programme on Agri Business and Agro Processing in the
Netherlands and Germany.
2. International Exposure Programme on Banking Correspondents, Credit Bureau and
Micro Finance to South Africa and Brazil.
3. Customised Training Programmes for Canara Bank, Union Bank of India, Central

4. Bank of India, Cooperation Bank etc. on Agricultural and Rural Finance.
5. Effective Lending in Rural Areas which is a major training innovation where HR
6. Development inputs are embedded into training to enable attitudinal change
and increase capacity for promoting poor oriented banking services
Personal Age: 58
Information Nationality Indian Gender: Male
Status: Married Spouse: Home Maker Children: Two
Languages Known: English, Hindi and Malayalam
Office Address: Chief General Manager, Uttarakhand Regional Office
National Bank for Agriculture and Rural Development
113/2, Rajpur Road, Dehradun – 248001
Residence Address: C P Mohan: F 201 Doon Trafalgar, Dhoran Khas,
Near IT Park, Dehradun - 248001
Mobile: +91 9448497007
Residence: 0135 2608611
Email: cpmohan@hotmail.com ;
mohanchandanathil@gmail.com
Personal Attributes
· Commitment, Integrity and Honesty
· Hard working and determined
· Decisive and resolute
· Values family and friendships
Other Information
· Had been a sportsman in school and college, representing school and college in
several events (member the G B Pant University of Agriculture and Technology in
hockey for three years, Maharaja’s College, Kochi, Kerala in athletics and school in
badminton)
· Interested in literature, music and poetry
References
1. Shri H R Khan, Deputy Governor RBI, Mumbai
2. Prof. M S Sriram, Professor, Indian Institute of Management, Bangalore, India
3. Ms. Girija Srinivasan, Financial Services Consultant, Pune, India
4. Shri. N Srinivasan, Independent Consultant, Micro finance
5. Shri. Aloysius P. Fernandez, Chairperson, NABARD Financial Services Limited,
Bangalore, India
Note: Contact details shall be provided if required
Declaration
I, C P Mohan, hereby certify that the statements and information in this application
form are true and correct to the best of my knowledge and belief and I am wholly
responsible for the same.
C P Mohan

PART II
DESCRIPTIVE NOTES ON WORK EXPERIENCE
CURRENT JOB PROFILE
1. DESIGNATION CHIEF GENERAL MANAGER, UTTARAKHAND
REGIONAL OFFICE, DEHRADUN
PERIOD June 2014 onwards
Responsible for all activities of NABARD for the State of Uttarakhand, India. The responsibilities
include handling total annual business budget of Rs.1500 Crore (USD 250 Mn). Other
responsibilities are outcome based grant funding of Rs.8 Crore annually (USD1.33Mn) to NGOs
and other CBOs; monitoring grant outcomes such as formation and nurturing of about 12000
SHGs, 10 watersheds, 5 Tribal Development Projects, Rural Entrepreneurship Training
Programmes; engaging in institution building of Cooperative and Regional Rural Banks
including technology up-gradation, internal capacity building etc. ; overseeing Statutory
Supervision of Cooperative Banks and Regional Banks. Member of several State Level
Committees; Administrative in-charge of 60 employees.
WORK EXPERIENCE IN NABARD Financial Services
1. DESIGNATION MANAGING DIRECTOR, NABARD FIANACIAL
SERVICES LIMITED
PERIOD June 2009 Onwards.
 Board position with overall responsibility of both policy initiatives and execution
 Responsible for building up the company from its start of operations
 Responsible for formulating and implementing the business model and business
processes
 Played key role in establishing a lean and sustainable business model
 Developed business from scratch (without any base portfolio) to above Rs 375 crore
in about three years with over 99.5% on-time recovery
 Re-engineered internal systems, procedures and processes to create a dynamic,
productive and results-based work culture
 Played a pivotal role in implementing a rigorous recruitment process, business
correspondent acquisition and related systemic changes
 Played important role in shaping the image and value system of the organization Provides
regular mentoring of young professionals in the organization Developing and monitoring
of expansion strategies
 Worked in close association with two IFAD supported projects : (1) Post Tsunami
Sustainable Livelihoods Project in Tamil Nadu and (2) Convergence of Agricultural
Initiatives in Maharashtra

WORK EXPERIENCE IN NABARD
1. DESIGNATION DEPUTY TO GENERAL MANAGER , JHARKHAND
REGIONAL OFICE, RANCHI
PERIOD August 2007 to June 2009
In charge of Institutional Development Department, Production Credit Department Investment
Credit Department, Institutional Development Department, State Projects Department,
Department of Supervision and also look after several schemes of NABARD and The GoI
such as the Rural Innovations Fund, Venture Capital Fund, Pilot Programme om Integrated
Development, Village Development Plan, Centrally Sponsored Scheme on Rural Godowns, as
well as the Nabard Consultancy Services in Jharkhand
2. DESIGNATION DEPUTY TO GENERAL MANAGER & MEMBER OF
FACULTY, COLLEGE OF AGRICULTURAL
BANKING , RESERVE BANK OF INDIA, PUNE
PERIOD May 2002 to July 2007.
The job included the following
1. Handling sessions on project financing Micro finance, Agri Business, etc.
2. Rural Banking Channel Coordination which entailed the coordination of the channel
consisting of 6 members of faculty in the rank of DGMs, designing programmes,
identifying and executing collaboration with other institutions, finalising reading materials,
coordinating activities of Faculty Members, inter-channel as well as inter institutional
coordination etc.
3. Organising national level events like the National Symposium on Farm Credit for
Inclusive. Growth, National Seminar on Organic Agriculture etc.
4. Other assignments :
i. Support to the Khan Committee on Micro finance and Rural Credit which
recommended the Business Correspondent and Facilitator models, IT Fund in the
finance sector for financial inclusion initiatives and several other major recommendations
to enable outreach expansion. The report acknowledges my contribution.
ii. Member of Study team MIS of Urban Cooperative Banks.
iii. Member of Project Team in collaboration research with Reading University, U.K. as
"Towards Ensuring financial services to the poor". Played a key role in developing a
training course embedding attitudinal change and functional areas titled “Effective
Lending in Rural Areas” as an outcome of the research.
iv. Member, Library Committee
v. Member, Premises Maintenance Committee
vi. Attended various seminars / workshops as resource person from CAB like Consultation
on Country Plan Preparation for UNDP at Delhi, Seminar on Financial Inclusion at
Chennai, Seminar on Debt Swap at Delhi, Round Table on Micro finance and Livelihoods
by IFAD at Bhopal, consultation on capacity building in Micro finance Initiatives by Sa-
Dhan, at Delhi, consultations on Livelihoods Promotion by IFMR at Kandala etc

3. DESIGNATION PERIOD DEPUTY TO GENERAL MANAGER
August 2001 to May 2002
JOB DESCRIPTION:
In charge of Department of Supervision, Kerala RO till May 2002. Finalized several inspection
reports of DCCBs and RRBs. Improved both the quality of inspection, analytical rigor as well as
presentation of Inspection Reports.
4. DESIGNATION PERIOD ASSTT. GENERAL MANAGER
June 1997 to August 2001
JOB DESCRIPTION:
The job involves carrying out statutory inspections of banks involved in rural credit delivery
operations. The work aims at improving system efficiencies along with inspection of banks in
respect of its business functions in Cooperative banks and Regional Rural Banks in Kerala.
5. DESIGNATION PERIOD OFFICER IN CHARGE, Meghalaya Office of
NABARD (Asstt. General Manager)
October 1994 to June 1997
JOB DESCRIPTION:
The job involves the overall control and administration of Shillong office of NABARD in the state
of Meghalaya. The salient features of my work /achievements in Meghalaya are:
1. Increased annual refinance disbursements from a level of less than Rs.300 lakh in 1994-
95 to Rs.700 lakh in 1996-97.
2. Promoted a very successful micro credit delivery movement through NGO/SHG network
for the first time in Meghalaya which is the pioneering effort in the SHG credit
linkage programme in the entire North Eastern Region. The main advantages of the
SHG movement in the state are removal of middlemen, reduction in farm gate income
losses, promote thrift and catalyze socio- economic activity.
3. Member of the Board of Directors of the Ka Bank Nongkyndong Ri Khasi Jaintia (the
Regional Rural Bank in Meghalaya).
4. Member of various State level committees.
5. Member of High Power Committee on Crop Insurance.
6. Member of High Power Project Monitoring Committee on Rural Infrastructure
Development Fund.
6. DESIGNATION PERIOD ASSTT. GENERAL MANAGER
2 May 1991 to October 1994
JOB DESCRIPTION:
As AGM, I handled several sections in the Thiruvananthapuram and Guwahati Regional Office
and also held the position of District Development Manager. The major assignments during the
period are:
1) Section in Charge of project appraisal at Thiruvananthapuram.
During this tenure I was involved in a p praising several large rubber processing schemes
and various other area development schemes.

2) District Development Manager at Kozhikode.
I was able to increase the flow of refinance in the district from Rs. 566 lakh to Rs.827
lakh.
3) Section in Charge of District Development and Planning Section in Guwahati.
Prepared the first State Credit Plan for Assam and was involved in the successful conducting
of State Credit Seminars in Assam and Meghalaya for the first time.
Prepared the Development Action Plan for the Manipur State CO-Operative Bank.
Prepared MoU for Assam State Co- Operative Bank.
Board Member on the Cachar Gramin Bank (RRB).
7. DESIGNATION PERIOD DEVELOPMENT OFFICER
22 September 1986 to 1 May 1991
JOB DESCRIPTION:
The job involved 4 distinct categories as under:
1. Development Officer in IRDP cell, involved in scrutinising of refinance drawal
applications, monitoring the implementation of the IRDP in the State.
2. Attend District Consultative Committee Meetings in two districts.
3. Participated in various grass roots level studies with reference to lending to weaker
sections.
4. Land Development Bank Officer to undertake voluntary inspection of Primary Land
Development Bank’s in which capacity 14 PLDB’s were inspected.
WORK EXPERIENCE PRIOR TO JOINING NABARD
I. ORGANISATION: GUJARAT CO-OPERATIVE MILK MARKETING FEDERATION,
ANAND.
The GCMMF is a State level apex Co-operative marketing body with several District level Milk
Producers’ Unions as its members. The Federation is involved in the programming of
production of various products, marketing these products in India and abroad and purchase
of various materials for packaging, cattle feed manufacturing, raw materials such as butter
colour, vitamin additives, veterinary medicines etc.
DESIGNATION PERIOD SENIOR SALES OFFICER
May 1984 to September 1986
JOB DESCRIPTION:
The job involved being in charge of the sales of Amul and Sagar brands of products in
Kerala. The job content included:
1) Second in the hierarchy at the sale depot in Kochi.
2) The promotion of sale of Amul chocolates and Nutramul in the Northern Kerala along
with the other fast moving products.
3) On field and desk supervision of field level sales force consisting of organization’s sales
representatives, wholesale dealers, and field staff of wholesale dealers.
4) Setting and achieving sales targets, monitor stock off take by wholesalers.
5) Multi - point sales analysis to maximise product /region/ dealer/ field staff wise marketing
efficiency.

DESIGNATION PERIOD SENIOR PURCHASE OFFICER
March 1982 to May 1984
JOB DESCRIPTION:
The major activities in this assignment are shown below:
1) Arranging purchase of packaging materials for dairy products, raw materials for
production of balanced cattle feed by member Milk Unions.
2) Development of computerised billing and inventory system for cattle feed raw materials
purchases.
3) Price analysis of cattle feed raw materials which has a very unstable price line.
4) Development of Packing materials.
5) Purchase of veterinary medicines for member Milk Unions.
6) Handling of export of Ghee to middle east countries.
7) Preparation of a comprehensive Project Proposal for putting up a 100% export
oriented manufacturing unit by the Federation.
II. ORGANISATION: DEPARTMENT OF AGRICULTURE, GOVERNMENT OF KERALA
DESIGNATION PERIOD JUNIOR AGRICULTURAL OFFICER
October 1979 to 1980
JOB
DESCRIPTION:
The involved initially in planning and supervision of agricultural activities at the Ernakulam District
Agricultural Farm, Neriamangalam. Thereafter I was posted to the intensive Paddy
Development Unit at Choornikkara, Ernakulam District. I was instrumental in starting the office.
Declaration
I, C P Mohan, hereby certify that the statements and information in this application form
are true and correct to the best of my knowledge and belief and I am wholly responsible
for the same.
C P Mohan

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CV CPM 08052015

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