Smt. Sengupta is a Science Graduate, with additional qualification of CFA and CAIIB. She joined SBBJ in 1983 as Probationary Officer and has handled responsibilities in several offices of SBBJ, SBI and SBP.
Prior to joining Bank of Baroda, she held the position of Chief General Manager (Retail Banking) since April 2016 and Chief General Manager (Stressed Assets Management Group) since June 2015 at State Bank of Patiala (SBP). Smt. Sengupta also served as General Manager of the Delhi network at State Bank of Bikaner and Jaipur (SBBJ).
During her tenure at the various organisations she had worked across various key areas such as IT Security, ALM, HR, Treasury Management etc. She also has handled branch operations for more than two decades and has experience in Credit and Forex operations
Shri Joginder Rana, aged 51 years, is a graduate from Delhi University and holds a distinguished academic background as an all-India rank holder in CA, ICWA and CS. He is also Certified Fraud Examiner (CFE) from USA. He comes with over 28 years of banking experience in India and overseas.
He started his career with Citigroup in 1990. During past 27 years, he has had diverse experience and has held key leadership roles in Citigroup and RBL bank, last being the COO at RBL Bank, he was responsible for transforming the bank and delivering the highest standard of service to all Bank customer segments especially during this period of rapid growth. In the last 5.5 years, the RBL bank has been recognized India’s as the fastest & best growing bank in mid-sized segment bank and had received many other prestigious recognitions - an award as Global Growing Company of India announced by Fortune 500 companies from India. Received the Asian banker Award for Technology, Best priority sector bank in India etc.
Prior to joining RBL Bank, Joginder Rana held the position of Head - Enterprise Risk Management, Consumer Bank-Asia at Citibank. Rana has handled in Citi many senior level assignments both in the wholesale and retail side at Citigroup. During his tenure with Citibank, he had extensive exposure to the Bank's Operations and Technology, Credit & Collections, Compliance & Controls and Risk management functions.
In his previous roles, he has also managed complex operations and large teams comprising of Cash Strategic Business Units for Citigroup's BPO set up, spanning across 28 countries, multiple time zones and jurisdictional requirements. In the past, he has worked extensively with RBI and FIU on many key initiatives in the domain of payment systems, KYC/AML, rolling out recovery agents training.
At Citibank, Joginder Rana was also a member of Citibank Local Operating Board and Director - Citigroup Wealth Advisors.
Mr. Vikram Sud is a Commerce Graduate from St. Xavier's College Kolkata, with additional qualification of PGDBM at XLRI Jamshedpur and a Senior Management Executive Program at the Darden Business School (UVA).
Before induction as an Independent Director in the Board of the Baroda Global Shared Services (BGSSL), he had held several senior operating & directorship positions.
Mr. Sud spent over two decades with Citibank prior to joining Kotak Mahindra Bank in 2006 where he was the Group Chief Operating Officer of Kotak Mahindra Bank Limited until 2011. He subsequently rejoined Citibank in Singapore as the Head of Operations and Technology for the Asia Pacific region till 2015.
During his initial stint at Citibank, he held various senior positions in his international career with Citibank - O&T Head for Citibank India sub-continent, O&T Head for Citibank's Global Trade business, Business Manager Global Trade Finance, Business Manager of Global Payments & Commercial Cards, and finally Transaction Banking Head for the US SME business based out of New York. He was also responsible for setting up and building out eServe (Citi’s captive BPO) as its founding CEO. While at Kotak, Mr. Sud also served as a Non-Executive Director at Kotak Securities Limited.
Mr. Sud is now an independent consultant and a mentor / advisor for several FinTech startups in ASEAN and India.
Graduated from Presidency College, Kolkata with economics as major, completed masters in economics from university of Kolkata in 1975. After a brief stint as lecturer in economics and as probationary officer in Bank of Baroda, moved on to SBI as a probationary officer in 1977. Professionally qualified as a Certified Associate of Indian institute of Bankers with a certificate in general management from IIM Kolkata.
Retired as Chief General Manager in August 2012 from SBI’s credit policy and procedures department, having been responsible for bringing in qualitative changes in policies with special emphasis on capital conservation and updating the credit manual. He was appointed as Chief Risk Officer in the RBL bank ltd (formerly the Ratnakar bank ltd) with additional responsibilities of Portfolio Monitoring, Information Security and Operations Risk and Risk Projects.
Having spent almost 35 years in SBI, has been exposed to almost all aspects of banking both in India and abroad ranging from credit (both large and small), business development, technology driven processes, HR and vigilance
Mr. Niyogi has handled large value fraud and criminal cases both in India and abroad. Have had the experience of deposing before security and exchange commission - USA, attended jury trial and worked with FBI during the stint in SBI New York. Likewise have handled numerous court cases in India and worked with CBI also.
Mr.Kaul Joined Bank of Baroda in 1983 as PO, and has experience of working at all levels in Bank, including Branch Operations/ Branch Head/ Administrative offices/ Audits & Inspection/ Corporate Office.
He has forayed into technology areas in Bank, has been part of the core group in Business/ Technology transformation of Bank at a large scale from 2004 to 2007. Has experience of working overseas in Bank’s London operations during 2007 to 2010, where he was instrumental in branch network expansion, enhancing the profile of territory, launch of innovative products.
Has experience of working at a senior position in Digital Banking department Mumbai from 2010 to July, 2015, instrumental in exponentially scaling up of digital footprint/ ATMs/ Launch of Cash Recyclers/ Fully automated passbook printers/ mobile banking platforms/ call centre etc. Has headed Marketing/ PR/Social Media and Wealth Management department of Bank from August, 2015 till June, 2016. Since then has been heading the Business Transformation programme “Project Navoday” for the Bank.
Mr.Kaul Holds a bachelors’ degree in Agriculture, JAIIB and holds VMA- COPC certification.
Mr. Suresh Ghag is the CTO & Head, IT Projects & CRM, at the Bank of Baroda.
Mr. Ghag began his career with Bank of Baroda in 1978 and over a span of 36 years has worked in various capacities in General Banking Operations, Domestic and Foreign Business, Credit, Information Technology. He also worked in Bank’s overseas centre in UAE for four years. At present he is heading Bank’s Information Technology Division, including Customer Relationship Management.
Mr. Ghag holds a Master of Commerce degree from Mumbai University, CAIIB (Indian Institute of Bankers) and full year post graduate course in computer management. He has also attended advanced management programme at Indian School of Business, Hyderabad, IIM - Ahmedabad, MDI Gurgaon, Kellogg School of Management, Illinois, USA, CRM at IDRBT / Ghent University, Belgium.