Our Team

Our Team

Prof. Satish Shinde, Pune, India

Educational and Professional Qualifications – Ph.D. (Finance), M.Sc. (Statistics), MBA (Finance) all from University of Pune, India. Associate Member, ‘Institute of Cost and Management Accounts of India’, Chartered Associate of ‘Indian Institute of Banking and Finance’.

Professional Experience

One and half decades of practical banking experience in ‘State Bank of India’ and ‘Industrial Development Bank of India’. Worked in corporate lending, project financing and remedial and recovery management. Prof. Shinde has more than two decades of experience in training and consultancy services.. Former Associate Professor, ‘National Institute of Bank Management’, Pune. Also worked as Senior Training Consultant with ‘Saudi Arabian Monetary Authority’, Riyadh for three years. Founder and Managing Partner, ‘Risk Management Associates’.

Research papers relating to Banking, Finance, Credit Risk Management, Asset Liability Management, etc. published in reputed journals both in India and outside India. Author of the book ‘Cash flow Analysis for Lending and Investments’. Associated with the ‘World Bank Group’ since July 2016 for conducting policy research projects and training. Visiting faculty in some of the reputed management institutes in India and Sri Lanka. Extensively traveled in South Asia and Middle East for conducting on location training programs/seminars.

Areas of specialization – Corporate lending, project and infrastructure financing, SME lending, services sector lending, movable asset based lending, credit portfolio risk management and Basel II-III compliance.


CA Anoop Sapra, Dubai, United Arab Emirates

Educational and Professional Qualifications – Chartered Accountant, India (Rank Holder), Certified Public Accountant, USA, Company Secretary, India (1st Rank), ACI Treasury Diploma,  UK, Bachelor of Commerce Honors, Delhi University, India.

Professional Experience – Audit Experience of over three decades in some of the top international auditing firms and banks, namely ‘A.F. Ferguson’ (formerly a member of KPMG), ‘Ernst & Young’, Saudi Arabia and Canada. Directed the audit functions as Head of Internal Audit in two of the major Middle-East based banks namely, ‘Arab National Bank’ in Saudi Arabia and ‘Commercial Bank of Dubai’ in UAE for more than a decade. Work experience covers wide geographical areas – India, Middle-East and North America. Served as Chairman and Member of Board Audit Committees for leasing and mortgage finance companies. Successfully implemented Risk Based Internal Audit methodology and provided related trainings and consultancy in various banking institutions. Core Member of the team responsible for developing and implementing Corporate Governance structure and operations Risk Management framework.

Areas of Specialization – Risk based internal auditing, accounting, operational risk management and Corporate Governance.


Mr. Hemant Pardikar, Pune, India

Educational and Professional Qualifications – M.Sc. (Statistics), Pune University. Summer course in ‘International Finance’ at Manchester Business School, UK and in ‘Financial Engineering’ at Administrative Staff College of India.

Professional Experience – Three and half decades of practical banking experience, including 5 years at top management as ‘Head of Credit’ and ‘Head of Risk Management’. Worked both in public and private sector banks in India. 14 years of experience in branch management including very large branches. Expertise in turning around loss making and stagnant branches. Worked in corporate credit, foreign exchange and risk management at senior levels. Formulated credit and risk management policies for ‘IndusInd Bank Ltd’. Also implemented bank-wide risk management architecture, including Basel II compliance at ‘Centurion Bank of Punjab Ltd’ (later acquired by ‘HDFC Bank Ltd’.).

Areas of Specialization – Branch management strategies, turn-around strategies for loss making and stagnant branches, international trade finance, corporate credit and structured lending products.


Dr. K. Satyanarayana, Hyderabad, India

Educational and Professional Qualifications – Ph.D. in Agricultural Economics (Gold Medal) from ‘Indian Agriculture Research Institute’, New Delhi, M.Sc. in Agro Economics.

Professional Experience – Senior Professor of Strategic Planning at ‘National Institute of Bank Management’, Pune, India. Also Senior Banker for two decades with ‘Punjab National Bank’, India. Successfully completed more than 20 management consultancy assignments for banks. Co-authored two books and number of articles. Extensively travelled in South Asia and Middle East for conducting on location training programs/seminars.

Areas of Specialization – Strategic planning, risk management, organizational re-structuring, manpower planning, bank supervision and management audit.


Dr. Asha Naik, Pune, India

Educational and Professional Qualifications – Masters Degree from ‘Tata Institute of Social Sciences’, Mumbai. Ph.D. in Business Management from ‘Osmania University’, Hyderabad.

Professional Experience – Several years of corporate experience which included Head – Human Resources, ‘Fujitsu, ICIM’ and Global Head – Human Resources at ‘Tata Technologies’. Also worked as Consulting Associate with ‘Centre for Organization Development’. Chair Professor at ‘National Institute of Bank Management’, Pune. Advisor Academics, ‘Sri Balaji Society’, Doctoral Program Guide for ‘Symbiosis International University’. Currently principal consultant, ‘Corporate Consulting Group’, Pune.

Areas of Specialization – Strategic human resource management, strategic functional management, sustainable leadership, competency assessment, organization development. Conducted several training programs in the areas of customer centric behavior, marketing strategies and customer at the core.


Mr. Vijay Waghmare, Pune, India

Educational and Professional Qualifications – M.Sc. (Financial Economics) from ‘Gokhale Institute of Politics and Economics’, Pune. PGDBM (Finance), Pune University. Qualified UGC NET in Management as Assistant Professor.

Professional Experience – More than a decade’s experience of working in international business and knowledge process outsourcing companies in India. Worked as Team Leader and Manager. Developed risk management related software solutions for banks and financial institutions.

Areas of Specialization – Development of Borrower Risk Rating (BRR) models in excel based macros. Also developed macros for project finance modeling. Training in project lending and financial modeling.


CA Govind Boundia, Pune, India

Educational and Professional Qualifications – Member – The Institute of Chartered Accountants of India, Certified Information Systems Auditor (CISA), ISO lead auditor

Professional Experience – More than 10 years experience in auditing and finance. Also worked as Credit Manager at ‘Kotak Mahindra Bank’. Asst. Manager, Systems Audit with ‘Deloitte’.

Areas of Specialization – Accounting and auditing.