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Shri. Pramod Kumar Panda
Shri. Pramod Kumar Panda
Senior Program Director

Mr. Pramod Panda is currently associated with CAFRAL’s learning activities as Senior Program Director. He is a career central banker, specializing in financial regulation, supervision and inclusion. He holds a Masters’ Degree in Financial Regulation from London School of Economics and Political Science, UK. As General Manager and Chief General Manager at the Department of Banking Supervision (DBS), Central Office of RBI he has led projects for implementation of Risk Based Supervision , Pillar 2 of Basel II, Financial Conglomerate Supervision and cross border supervision and supervisory cooperation. He has been a member of the Task Force that advised the Accord Implementation Group of The Basel Committee on Banking Supervision (BCBS) in finalizing the Good Practice Principles on...

Dr. Nirupama Kulkarni
Dr. Nirupama Kulkarni
Research Director

Dr. Nirupama Kulkarni is Research Director at CAFRAL. She is an applied empirical economist and her research interests include corporate finance, banking, household finance, real estate and monetary policy. Her recent work focuses on the role of government policies in the financial and housing market and its implications. Her research looks at how government regulation can stack the odds against private market competition and the implications of government policies aimed at increasing homeownership.

Nirupama has an undergraduate degree in electrical engineering from IIT Bombay, an MBA from Stern School of Business, New York University and a Ph.D. in business administration (finance and real estate) from Haas School of Business, University of California, Berkeley. She has been the recipient of the Fisher...

Shri. H K Khare
Shri. H K Khare
Senior Administrative Officer

He joined the Centre for Advanced Financial Research and Learning, Mumbai as Senior Administrative Officer in November, 2019. He superannuated as General Manager from Reserve Bank of India, College of Agricultural Banking Pune on December 31, 2018. He was Member of Faculty at College of Agricultural Banking, Pune, which builds capacity in Inclusive Finance amongst bankers in India and South Asia. Prior to this assignment he was in-Charge of Member of Faculty, Zonal Training Centre (ZTC), Reserve Bank of India, Mumbai. ZTC imparts training to the officers of Reserve Bank of India who are attached to the regulatory and supervisory departments. He worked in various departments of Reserve Bank for over three decades. He has more...

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