B.Com., CAIIB ; worked for over 30 years in Union Bank of india, a Public Sector Bank,joining as a Prob. Officer and retired as General Manager in Mrch 2010. Expertise in Credit Appraisal &Mgmt., International Banking and HRD. Presently working as a Consultant in the position of Head (Quality) with Manipal University Bangalore Campus, Bangalore.
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