A Post Graduate in Economics from Ravenshaw College, Cuttack (Odisha) (Now a University) worked in RBI [Bhubaneswar & Mumbai (1979-1983)] and then switched over to NABARD. He has worked in NABARD’s Head Office [Human Resources Development Department & Investment Credit Department (1983-1986)] and three Regional Offices (ROs) [Odisha (1986-1991), Uttar Pradesh (1998-2000) and Punjab & Haryana (2005-2009)].

Major Departments/ areas looked after in ROs are Investment Credit (Appraisal & Operations), Co-financing, Consultancy, Administration of various GOI sponsored Capital Subsidy Schemes, Corporate Planning including District Development, Development Planning (Village Development Plans & Watersheds), Institutional Development (SCARDBs), Farmers’ Clubs, Micro Credit, Rural Non-Farm Sector, Women Development, Tribal Development, Economic Analysis, Summer Placements, Research & Seminars Funding Proposals, Studies like Development Finance, Investment Specific, Scheme Specific, Commodity Specific, Issue Specific and Evaluation, Human Resources Management, Human Resources Development, General Administration and Premises.

Besides, he had also stints at the District (as District Development Manager) [Keonjhar, Odisha (1991-1998)], National Bank Staff College, Lucknow (as Faculty Member) (2000-2005) and Bankers Institute of Rural Development (BIRD), Lucknow (as Joint Director) (2009-2011). From 2012, he is in-charge of NABARD Mizoram RO at Aizawl.

He has served on the Boards of Baitarani Gramya Bank (Mayurbhanj, Odisha), Barabanki Gramin Bank (Barabanki, Uttar Pradesh) and Gurgaon Gramin Bank (Gurgaon, Haryana).

He has conducted Oganisation Development Interventions (ODI) Programmes in Balangir District Central Cooperative Bank (Odisha), Balia Kshetriya Gramin Bank (Uttar Pradesh), Vaishali Kshetriya Gramin Bank (Muzaffarpur, Bihar) and Haryana Gramin Bank (Rohtak, Haryana), co-coordinated two Training Programmes for International Participants (One is from mixed countries and the other an all-woman group from the Government of Iran), accompanied World Bank Delegation in their study of SHG-Bank Linkage Programme in UP, worked in the World Bank assisted Pilot Project for Strengthening Credit Delivery System in Kalahandi district (Odisha) and CEC-BAIF Project on Transfer of Technology for Sustainable Development (UP) and directly executed three consultancy assignments viz. Development of HR Manual for Haryana SCARDB, Mid-term Evaluation of SGSY in Mandi district (HP) and Financial & HR Restructuring of MILKFED, Punjab (the last one in association with Rabo Bank).

He was part of the Support Team in Planning Commission appointed Sub-Group for XI Plan headed by Prof SS Johl, made presentation to IFAD team on the cost of forming and nurturing an SHG which became a basis for funding by GOI, and contributed in influencing policy response in many areas including through a case study based write-up in the PLP of Keonjhar that was given to the visiting RV Gupta Committee (1998) advocating the need for introduction of Kisan Credit Card.

His areas of interest include Rural Development Economics through credit and credit-related interventions, Social Engineering, Organisational Behaviour, ODIs, Participatory Rural Appraisal and Training.