State Bank Institute of Credit & Risk Management (SBICRM) is an ISO 9001:2015 certified Institute, established in the year 1982 for imparting specialized training in Credit, International Banking, Risk & Compliance and carrying out Research & Development in various spheres of banking.
SBICRM designs training programmes as per the window of need identified by own business units as well as external organisations. The clientele spans several sectors and organisations including various Central & Regional Government agencies, Domestic & International Banks and Corporates. Some of our prominent clients are Bank of Bhutan, SBI Nepal Bank, Andhra Bank, Syndicate Bank, Allahabad Bank, Indian Bank, Power Finance Corporation of India Limited, Freight Corridor Corporation of India Limited and Punjab & Sindh Bank. These organisations trust SBICRM for upskilling of their workforce in this ever changing and challenging environment.
SBICRM also hosts high-powered workshops & conclaves like “Nurturing MSMEs for Five Trillion Economy” for representatives from GOI, CII, and SIDBI. It is a key resource centre for organisations like FEDAI & CII. The institute also hosted “Gyan Sangam” and “PSB Manthan” - flagship workshops conducted by Department of Financial Services (Min of Fin) in 2016 & 2017, wherein Finance Minister of GOI and CEOs of all the Public-Sector Bank participated.
The Institute has an IGBC Green Building “Platinum” Certified campus which is spread in two campuses across a sprawling landscape of 16 acres; it has a library,IT lab, conference halls, an auditorium with 300 seating capacity, Heritage gallery and an open-air theatre. The institute has also been awarded 4-star rating for energy efficiency in composite climate zone by Bureau of Energy Efficiency (BEE).
Shri Sudhir Kumar Tyagi is General Manager and Director at State Bank Institute of Credit and Risk Management (earlier known as State Bank Academy), an ISO 9001:2015 Certified, an Institute specialized in imparting training in Credit, International Banking, Risk & Compliance and carrying out Research & Development in various spheres of banking.
Sh.Tyagi possesses rich and diverse experience of various facets of banking of more than three decades in State Bank of India. He has successfully handled assignments in various domains like Rural, Retail, HR, Corporate Banking segments etc. as DGM & Head of Commercial Branches like Gurgaon Commercial Branch & Overseas Branch Ahmedabad. He has served foreign office as Senior Vice President (Credit) at SBI’s Bahrain office.
Shri Badal Chandra Das is an Academic Adviser (Credit & Risk Management) at State Bank Institute of Credit & Risk Management (SBICRM). Sh. Das has varied banking experience with an experience of more than 34 years. In his long career with SBI, Shri Das has served in various geographies in India and abroad. He carries rich experience in Corporate Credit, financing of large projects, human resource and retail banking. As head of Internal Audit of SBI, he was instrumental in transforming and rejuvenating the Internal Audit function of the bank through use of analytics, automation and adoption of risk based forward looking approach to internal audit.
Sh. Das provides expert guidance in design & development of course curriculum, strategic planning and determining appropriate education solutions for different types of participants. He is also engaged in the process of selection of faculties, guest speakers and advise STU in upholding the academic standard of the institution. He also advises bank in improvement in risk management framework and practices along with streamlining credit system, pre-sanction, post sanction and recovery.
Arbind Kumar Bhatt is Graduate with Psychology. He joined SBI in 1995. He is a seasoned banker having rich experience of operations, International banking, Retail Credit and Trade.
Mrs. Anuradha Narayanan, DGM & Senior Faculty
Anuradha Narayanan, MBA, CAIIB, is senior credit faculty having a wide-ranging experience in banking of more than 30 years. She has exposure in International Banking, General Banking, stressed Assets Resolution and Trade Finance along with specialisation in Credit.
Shri Sushil Kumar, DGM & Senior Faculty
Sushil Kumar holds 29 years of treasure of experience in SBI where he has played pivotal roles at different assignments. He has varied experience of working in International Banking, Retail Banking & Credit. Prior to the current assignment, he was heading a team of Regional Managers as DGM- Business & Operations.
Shri Girish Chandra Samal, DGM & Senior Faculty
Girish Chandra Samal, is M.Sc. (Geology), and CAIIB. He has rich experience of handling treasury functions, risk management and regulatory compliance. He is heading Compliance & Risk Management Department in SBICRM.
Faculty - ( Credit )
Dr. Lalit Arora, Faculty
Dr. Arora holds a Ph.D. in finance from L.M. Thapar School of Management (LMTSM), Thapar Institute of Engineering and Technology, (Punjab), India. He has more than 15 years of industry and academic experience. He has many research papers to his credit which have been accepted in international journals of repute. His research has been accepted and presented in various national and international conferences as well. Dr. Arora’s research interests include banking, corporate finance, and stock markets.
Shri Venkatesh Muthukrishnan, AGM & Faculty
Venkatesh Muthukrishnan is a graduate in Physics from University of Madras. He joined the bank in 1987. He has worked in various facets of banking including Retail, International banking, Credit, Investments, Treasury and Risk management. His assignments include a stint in Project Finance and as Sr. Vice President (Investment & Treasury) in SBI Frankfurt.
Shri Cholakkara Kalathingal Suresh, AGM & Faculty
C K Suresh is Bachelor of Science and Master’s in literature. Sh. Suresh has varied experience of 33 years in banking with exposure in Credit, Merchant Banking, Domestic Treasury (Investments), NPA Monitoring and Risk rating.
Shri Gulshan Sachdeva, AGM & Faculty
Gulshan Sachdeva is a Graduate from Kurukshetra University and CAIIB. Sh. Sachdeva joined the bank in 1991. He has rich experience of handling portfolios in Corporate and Retail Credit at various corporate branches of SBI. He was also closely associated with SME Business unit at apex level.
Sri Sudip Kaviraj, AGM & Faculty
Sudip Kaviraj is a graduate in Science from Burdwan University, CAIIB and a Cost Accountant (ICWAI). He joined the bank in 1995 and carries a rich experience in Banking operations, Retail, Corporate Credit and Managing of stressed assets.
Shri Bharat Ahuja, AGM & Faculty
Bharat Ahuja is a Commerce graduate, and a CAIIB. He has exposure of more than 25 years with various assignments in SBI, primarily in credit (finance). His areas of expertise are corporate & SME credit. He also has a stint at SBICaps where he worked in capital market domain.
Shri Rajeev Kumar Agrawal, AGM & Faculty
Rajeev Agrawal is a Commerce Graduate, CAIIB and Moody’s CICC Certified professional. Mr Agrawal has been serving SBI since 1988 and held various assignments in areas of Operation & Credit (Corporate & Retail). He is also a regular contributor in various in-house and external publications including ‘The Indian Bankers’.
Shri Rajiv Prasad Keshri, CM & Faculty
Rajiv Prasad Keshri, is Commerce Graduate, MBA (Marketing and Finance), CAIIB, and Moody’s CICC certified professional. He is having rich experience of more than 15 years in Banking Operation and Retail Credit especially in SME business at various territories.
Shri Sumesh Kumar Joon, CM & Faculty
Sumesh Kumar Joon is a Graduate from Delhi University, CAIIB and Moody’s CICC certified professional. He joined the bank in 2002 and has gained expertise in variety of domains e.g. banking operations, Retail credit and SME.
Shri Neeraj Yadav, CM & Faculty
Neeraj Yadav is an Engineering Graduate and has been serving in SBI since 2005. He has worked for more than Nine years in Credit Assignments including a stint as Asstt. Vice President (Credit) in Tokyo.
Faculty ( International Banking & Stressed Assets Resolutions )
Shri Saroj Kr Mahapatra, AGM & Faculty
Shri Mahapatra is a postgraduate with CAIIB. He joined the bank in 1987 and has served at various positions in SBI including a stint at Tokyo branch, Japan. His area of specialisation is International banking.
Shri P D Sankaranarayanan, AGM & Faculty
P.D. Sankaranarayanan is B. Com and CAIIB. He joined SBI in 1989 and has enriching and extensive exposure in International banking, treasury and Corporate Credit. He also headed an Exchange House in UAE. He is also an avid writer on socio-economic matters and geo-politics.
Shri Atul Priadarshi, AGM & Faculty
Atul Priadarshi is M. Com, LLB, CAIIB and a Certified BS Trainer. He has rich experience of 27 years in SBI and has handled various assignments in Agriculture, Operations, Retail and Forex.
Shri G Krishna Mohan, AGM & Faculty
G Krishna Mohan is a postgraduate and CAIIB. He holds rich experience of more than 25 years in SBI in Credit, Banking operations & Forex. His area of expertise is high value Imports and Exports.
Mrs. Seema Srivastava, AGM & Faculty
Seema Srivastava is a postgraduate in Business Economics, Graduate in Physics and a CAIIB. She joined the bank in 1998 and since then she has served in various assignments in the bank covering International Banking, SME credit, and Retail Banking.
Faculty - Compliance & Risk Management
Shri Ajay Chandra Pandey, AGM & Faculty
Shri Ajay Chandra Pandey an MA, CAIIB, ACAMS and a Moody Certified CIC professional. He joined SBI in 1991. He has been holding important assignments in Merchant Banking, Forex, Credit, ALM Risk Management and Treasury.
Shri Baljor Datt Gaur, AGM & Faculty
Shri Baljor Datt Gaur is B.Sc. and CAIIB. He has been serving SBI since 1995. He has a vast experience in the field of Banking operations, International Banking and SME credit. He was also a team leader for a project on development of “C-cube”, a software used in SBI for calculation of Risk Weighted Assets. He is an expert trainer of Customer Service, BCSBI, COPRA, RTI, BASEL norms.
Shri Dev Kumar Malik, AGM & Faculty
Shri Dev Kumar Malik is a Graduate in Commerce, BA (Hindi Literature), Master in English Literature, CAIIB, and a Moody's CICC certified professional. He has extensive experience of 34 years in Operations, Retail and SME Advances. His areas of expertise are KYC, AML-CFT, Audit, Operational Risk & Cyber Frauds.
Mrs. Usha Yadav, AGM & Faculty
Smt. Usha Yadav is BA, LLB, CAIIB and Moody's CICC certified professional. She joined SBI in 1994. She has gained rich experience in General Banking, Business Operations, Retail Credit, IT and Risk Management (ORM & Basel Desk). She is an expert in the area of Compliance, ORM, KYC/ AML CFT, Internal Audit, banking Frauds and Cyber Security.
Shri Vijai Kumar Singh, AGM & Faculty
Shri Vijai Kumar Singh is an MBA (Finance), CAIIB, FRM, and CFA (Level1). He joined SBI in 2000. He has exposure in general Banking, Br Operations, Retail credit, IT and Risk management. His areas of expertise are Risk management, Basel Norms, Operational Risk Management & Market Risk Management.
Shri Pawan Kumar, AGM & Faculty
Shri Pawan Kumar is a BA-Eco (Hons), CAIIB, PGDFA & MBA (Finance). He joined the Bank in 2002. He has expertise in SME Credit and Retail Banking. He is handling sessions in the area of Credit Risk and Compliance for last 4 years.
Shri Vivek Gangwar, Chief Manager & Faculty
Shri Vivek Gangwar is a B. Tech, PGDPE, CAIIB, CERFS, PGDFA, CFP (FPSB India), Risk in Financial Services (CISI). He is having experience in training for more than 5 years with specialization in Fraud Risk Management & Cyber Risk.
Shri Hari Kishan Panda, Chief Manager & Faculty
Shri Hari Kishan Panda is an MBA (Finance), CAIIB and Postgraduate in Public Admin. He has more than 15 years of experience in Retail, SME and Branch Operations. His areas of expertise are Compliance and Risk Management.
Shri Divya Kumar Agrawal is an MBA, LL.B., B.COM., CAIIB and a NET qualifier. He is a Moody’s certified CIC and COCP Advance L1 professional. He holds Diploma in Law of Corporate Mergers & acquisition. He is also a Certified Derivative and Equity dealer. He has gained significant experience in Corporate and SME Credit, NPA management, Stock Market, Derivatives and Regulatory Compliances. Prior to joining SBI, he has worked with ICICI Securities Ltd and NSDL.
Shri. Manish Yadav, Manager (Research)
Sh. Manish Yadav has Post Graduate Diploma in Management (PGDM) from Indian Institute of Management- Lucknow (IIM Lucknow). He is also Chartered Financial Analyst (CFA) - Level 3. He has more than 7 years of experience in banking in Branch Operations, Credit, and Financial Inclusion etc. He is an avid reader, blogger, programmer and likes to write his thoughts on topics of current interest.
Shri. Arun Kumar Bhardwaj, Research Officer
Sh. Arun Kumar Bhardwaj is a B.Sc., B.Ed., CAIIB and Moody's Certified CIC professional. He has the experience of working in General Banking, Retail Credit, Agriculture Credit and SME Credit.
Shri.Kamal Singh, Manager (Research)
Shri Kamal Singh is a Postgraduate in Sciences with CAIIB, B.Ed., and M.Phil. He has rich experience in Credit, Forex and branch operations.
Shri. Jatin Khanduja, Research Officer
Shri Jatin Khanduja is an Engineering Graduate, MBA and CFA (Level 2). He has15 years of experience in Credit and Retail banking.
Shri. Suraj Kumar Shoundik, Research Officer
Shri Suraj Kumar Shoundik is a B.Sc., MBA, CAIIB and a Moody certified CIC professional. He has more than 9 years of experience Retail banking, SME credit and Branch Operations.
Dr Mandeep Mahendru, Post-Doctoral Research Fellow
Dr. Mandeep is M.A.(Economics), M.B.A. (Finance), M.Phil. (Management) and Ph.D. (Financial Economics).
She is IBM certified trainer in Big Data Analytics, and SEBI certified resource person in the area of investor awareness.
She has more than fifteen years of experience in trainings and academia. She was a post-doctoral fellow with Technische Universität Dresden (Germany) from February 2018 to April 2019. She worked with ICFAI Business School, Gurugram as Area Chair (Economics). She has also worked as Associate Professor for Coventry University Program at Centum Learning Limited. Her expertise is in the area of evolutionary economics, financial economics, data analytics and Research. She is learning and development consultant to a number of public and private sector organizations. She is a reviewer with reputed journals of Elsevier, Emerald, Taylor & Francis. She has published more than 20 research papers in international journals of repute. She has also authored two books in the area of Production Management and Quality Management.
Program on Credit Management
Program on analysis of Financial Statements
Program on Credit Appraisal and Analysis
Program on International Banking – SWIFT / UCP 600
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Beneficiary Name : State Bank Institute of Credit and Risk Management
Account No. : 30043175365
Bank / Branch : State Bank of India, Dundahera
IFSC Code: SBIN0003190
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State Bank Institute of Credit & Risk Management
Plot No 77, Sector 18, Institutional Area,
Contact No. : +91 124 4012731, 4012740
"I have learned more much about the analysis of financial statement and assessment of fund based working capital well as various credit risk management."
"An excellent summarized information provided by the well experienced faculty, I have learned about financial statement analysis, credit appraisal, and assessment of FB and NFB facilities."
"Program extremely helpful and informative for me. Training material were well organized and provide good case studies. Instructor was very professional and pleasant to learn from."
"Detailed discussion about UCP and how to handle documents under LC and real life case studies were also discussed. All these will certainly help us in discharging our duties as a forex officer"
"Interactive sessions and case studies made it easy to understand basic points of forex transactions mainly under LC & AML session quite good, ready reckoner for handling export import documents."
"Discussions of various case study has cleared many doubts. A wonderful session. The only drawback is that the tenure was not sufficient"
"1)interactive sessions on important topics of forex 2)learned alot from case study session 3)program covered all important topics of IB"
"Programme on the audit, RCSA and operational risk along with the ppt is presented nicely. Understood the subject contents and would be a great useful."
"got an idea of risk management, quantitative method. Looking forward to attend more such program for better understanding."
"how to create lead, also understand tips for retain a customer. Also, understand about lead translation."
"training programme was very informative and useful and learnt new things while assessment of the proposal. Became aware about restructuring and proceedings to be initiated after the account becomes NPA"
"practical approach of the subject by case studies, more practical knowledge and experiences helped me realize where i was wrong."
"The programme covered many subjects which were not familiar. The sessions were interactive. Covered a wide area of relationship banking & credit marketing. All the sessions were useful."
"highly informed of credit marketing, communication, monitoring of accounts along with stressed asset management and risk management."
"Training program was designed perfectly matching the participant’s requirement. Faculty are knowledgeable and replied to each and every query raised. It was a beneficial program for everyone."