PhD: Bangalore University, India 2007
CFA (ICFAI): 1990
CAIIB: Indian Institute of Bankers, 1985
MBA (Finance): Osmania University, 1980
B.Com: Osmania University, 1978
As a visiting faculty, she teaches Financial Reporting & Analysis, Managerial Accounting and Financial Statement Analysis in the post graduate programs.
Her teaching career spans 23 years and includes teaching in IIM Bangalore (as Adjunct Faculty) and IBS, Bangalore (as Full time faculty, Dean (Academics) and Director, Bangalore campus).
Her academic administration achievements in previous workplaces include drafting and implementing standards for uniformity and excellence in academic delivery, initiating bi-annual academic delivery workshops for review and improvement in pedagogy and evaluation, signing an MoU with ICICI Bank for offering their E-Learning modules for students interested in banking career, organizing national level Faculty Development Program for four consecutive years and organizing International Conference in Finance & Economics for ten consecutive years.
Times Guaranty Financials Ltd (Times of India Group) 1994-96:
As Asst. Vice President-South, was responsible for business development and management of operations of the NBFC in Bangalore, Chennai and Hyderabad. Apart from these primary roles, she also headed task forces on Credit Appraisal, Risk Management and Discretion and developed professional standards in these areas in close association with KPMG.
Industrial Development Bank of India- 1984-1994:
As Officer/Dy.General Manager of this development financial institution (prior to its reverse merger with IDBI Bank), independently handled project appraisals for medium and large industrial projects in the State of Karnataka and Andhra Pradesh. One of her achievements is preparing a Handbook on Refinancing which was widely referred to by State Finance Corporations and State Industrial Development Corporations.
Lakshmi Vilas Bank- 1982-84:
Officer, handling routine commercial banking operations including foreign exchange transactions.
Marico Industries Ltd- 1980-82:
Management Trainee in Finance Department involved in preparation of financial statements.
‘Management of Urban Services in India- The Role of Management Institutions’- in the edited book with the same title, edited by Dr. S. Mallikarjuna Rao, School of Management Studies, University of Hyderabad, Allied Publishers 2008.
‘Quality of Life in Urban India: A State Level Analysis of Socio-Economic Indicators’, ICFAI Journal of Urban Policy, Vol.III, No.1, April 2008.
‘Industry Academia Interface- Indian Experience’ in the edited book Industry Academia Interface-Perspectives and Practices edited by Anitha Arunsimha, The Icfai University Press, 2008.
‘Corporate Financial Reporting – Are Indian Companies above Board?’ Accounting World, Vol. VII, Issue XI, November 2007.
‘Ultra Mega Power Projects- Will they be cost effective?’, ICFAI Journal of Infrastructure, Vol. V, No.1, March 2007.
‘Earnings Management: Big Bath and Restructuring Method- A case of Essar Steel Ltd.’ (Jointly with Kiran B), Accounting World, February 2006; Reprinted in the edited book Creative Accounting- Concepts and Cases edited by C.M. Madtha, Icfai University Press, 2007 and also in the edited book The Icfai University Press on Corporate Restructuring- Concepts and Cases edited by Dhandapani Alagiri, Icfai University Press, 2008.
‘Evolution of Benchmarking in India: Triumphs and Tribulations’, The Icfaian Journal of Management Research, Vol. IV, No.9, October 2005.
‘Contracting for Power Purchase: Ensuring a Fair Deal for the Private Investor and the Power Purchaser’- in the 2nd volume of the book “Against the Current: Fixing Tariffs, Finance and Competition for the Power Sector in India”- Edited by Joel Ruet, Manohar Publishers & Distributors and Centre De Sciences Humaines, 2005.
‘Financial Reengineering and Micro Modeling of Private Sector Power Generation Projects – Towards Ensuring Long Term Viability & Competitive Excellence’ – ICFAI Journal of Infrastructure, Vo. III No. 2, June 2005.
‘Foreign Direct Investment in the Indian Power Sector’ – ICFAI Journal of Infrastructure, Vol. II No. 4, December 2004.
‘The Dynamics Of Risk Allocation In Non-Recourse Financing of Private Sector Power Projects-Lenders’ Perspective’ - ICFAI Journal of Infrastructure, Vol. II No. 3 September 2004.
Edited Books Published
‘Benchmarking: Concepts and Cases’, ICFAI Books, ICFAI University Press, 2006.
‘Foreign Direct Investment in India’ ICFAI Books, ICFAI University Press, 2005.
Papers Presented in Academic Conferences.
‘Institution Building through Empowered Faculty’- Presented at National Conference on Higher Education, IIT Delhi, April, 1-3, 2011.
‘Value-based Leadership and Technology-Enabled Governance in Higher Education’- Presented at NAAC sponsored National Conference on Quality in Higher Education held at NES Ratnam College, Mumbai, January 2009.
‘Determinants of Profitability of Indian Banks’ (Jointly with Prof. Ashish Dash) – Presented at the International Conference on Economics & Finance held at IBS Bangalore, January 2009.
‘Urban Life Quality in India: A State Level Analysis’ (Jointly with Prof. Ashish Dash)– Presented at National Conference on Finance & Economics, held at IBS, Bangalore, Dec 2007.
‘Management of Urban Services in India- Role of Management Institutions’- Presented at National Seminar on Management of Urban Services in India organized by School of Management of Studies, University of Hyderabad, Feb 2007.
‘The Economics of Ultra Mega Power Projects’- Presented at the All India Conference on “Economic Growth with Equity and Stability” at Sri Sathya Sai Institute of Higher Learning, August 2006.
‘Central Generating Utilities- Evolution of Policies Relating to Tariff Determination and its Impact on Price of Power Delivered to State Electricity Boards’- Presented at the conference on ‘Policy in Practice: Designing and Promoting Effective Institutions’, organized by Centre for Public Policy and Centre for Software Management, IIM, Bangalore, September 2005.
‘Financial Reengineering and Micro Modeling of Private Sector Power Generation Projects- Towards Ensuring Long-Term Viability and Competitive Excellence’ – Presented at the 2nd International Conference on Business and Finance organized by the ICFAI University, Hyderabad jointly with Philadelphia University, December 2004.
‘Contracting for Power Purchase-Ensuring A Fair Deal For The Private Investor As Well As The Power Purchaser’ –Presented at the conference on ‘Power Reforms-Technological & Financial’, organized by Indian Institute of Technology, Kanpur along with Centre de Sciences Humaines, New Delhi, September 2003.
‘Private sector participation in power generation- India’s experience’- Presented at COSMAR-2002, organized by Department of Management Studies, Indian Institute of Science, Bangalore, September, 2002.
Editorship of Journal
Consulting Editor, ICFAI Journal of Urban Policy-April 2006 to April 2008.
Designed, coordinated and delivered numerous training programs in Brokerage Operations and Global Financial Markets for companies like Iflex Solutions (now part of Oracle), HP and Goldman Sachs, Finance for Non-Finance programs for Infosys, TCS, Wipro, and SAP. Handled sessions in Project Finance, Financial Statement Analysis and ALM in training programs for bankers of Canara Bank,Union Bank of India and SBI. Designed, developed and delivered a module on Finance for Decision-making for second line leaders in the Advanced Leadership Training program of Vestian Global Workplace Services, Bangalore. Handled sessions in finance area in MDPs for IOCL, Power Grid Corporation and other PSUs. Designed and delivered a workshop on Design Thinking for over 150 faculty members of Don Bosco Assam University.
World Bank- Short Term Consultant July 2015 to November 2015:
Reviewed the experiences of ten AgriFin projects (essentially, capacity building grants to financial institutions for expansion of lending to agricultural sector) implemented in Asia and Sub-Saharan Africa, provided quality inputs and insightful analysis of the lessons learned and undertook an evaluation of the AgriFin Program strategy and implementation. The results were published in March 2016 as a report titled ‘Agriculture Finance Support Facility- Lessons Learned’ and resides in their knowledge repository.
IIT Gandhinagar January 2013- July 2015:
As External Consultant, advised IIT Gandhinagar on inviting proposals, selecting vendors and providing support in design, development and implementation of an integrated Institution Management System (IMS) to manage its academic, administration, human resource, finance, classroom & learning management, external connect and related activities.
Secon P Ltd. Bangalore 2005 to 2017:
NHAI approved financial expert for National Highway projects-Analysis of economic and financial feasibility and preparation of feasibility reports, detailed project reports for various national and state highway projects executed on public private partnerships. She was engaged as a financial consultant by Secon for projects in Andhra Pradesh, Karnataka and Rajasthan.
BankConsult October 2009-June 2010:
Assisted Mr. K.R Ramamoorthy, Head of BankConsult who was SME Banking & Guarantee consultant of DAI*, on a Stock Taking Analysis & Bankers’ Perception Study of the Credit Guarantee Scheme for Micro and Small Enterprises of India which involved providing recommendations for improvement of the guarantee scheme. (*DAI provides support for policy advocacy initiatives of GIZ, Germany to improve provision of financial services to SMEs).
Infosys Technologies Ltd. July 2004-September 2004:
Short term Consultant-The project involved design & development of courseware, presentation material with speaker notes, question bank, delivery of a training program and offering post-training follow-up for trainers of Infosys for their use in future training programs to be conducted by them.
USAID (through PwC) August 1997-May 1998:
Study on Corporate Disclosure Standards- involved survey-based primary research with detailed questionnaires administered to stock exchange officials, brokers, investment bankers and retail investors and submission of research report to USAID.
Member Board of Studies, Dayanand Sagar University Center for Executive Education, Bangalore April 2018 onwards.
Member, Board of Governors of IBS Alumni Federation 2010-12.
Member, Board of Governors, ICFAI University Jharkhand 2009-10.
Member, Board of Governors, The Institute of Chartered Financial Analysts of India (ICFAI) 1993-96.
Member, Academic Council, ICFAI 1996-99.