JS Iyer

A banker for nearly 4 decades with leading banks in India & overseas. He has held senior positions with banks & has traveled widely within and outside of India to develop business and robust processes. He has been CEO of a Mumbai based Bank and responsible for introducing best practices. new products, services and for transformation of a traditional bank into a new generation bank He has helped teams to develop asset. liability & third party products and has held regular training & mentoring sessions for the bank's team. During his long career. he has assisted banks with Product, Process and People development. He has set up Retail & NRI verticals & has motivated thousands of junior and middle level officers and managers at various banks and thereby created talent pool of bankers well versed in Customer Service, Retail Banking, Wealth Management, Operations, SME lending Foreign Exchange, Third Party Products & NRI Business. He has also set up a gateway for facilitating electronic payments. He is a graduate in Commerce from University of Mumbai & Certified Associate of the Indian Institute of Bankers (CAIIB). He is a domicile of Mumbai & has proficiency in English, Tamil, Hindi, Marathi & Gujarathi. He is founder of bankonus in a consulting firm helping small banks to transform themselves both in business and banking operations. He is also fonder of schoolofbankingn a focused training school assisting students with both theory and practical banking. He with his team also visits banks to train their internal teams and bring them up to speed with latest developments in banking. He can be reached on jsiyer@bankonusin.

Sam Philip : Credit Monitoring

A career banker with 38 years of experience at Nationalized, Private and Co-operative banks. He is specialized in credit & has headed the credit department of various banks. He has in depth knowledge of credit appraisals technique. credit monitoring procedures and has developed successful teams by enhancing their knowledge of banking, with special reference to credit portfolio. His goal is to help Co-Op banks through various skills that he has acquired over many years & to give back to "Banking" a part of what it has given to him.

Saiyid Zaidi: KYC / AML & Compliance

Has rich experience of nearly 4 decades with banks in India and Gulf region. He has been the Founder Principal of Training College at Bombay Mercantile Co-Op bank. He has been a regular speaker cum trainer in various forums to enhance knowledge level of bankers on KYC / AML & Compliances. His Handbook on AML/ATF & KYC has been well appreciated by bankers and regulators alike. Director of Financial Intelligence Unit - India while acknowledging the receipt of the book has also conveyed his hope that the book will be useful for practitioners & AML professionals. The book has also been recommended by Chairman & Managing Directors of leading PSU, Foreign, Private Sector and Co-Operative Banks such as State Bank of India, Bank of India, Central Bank of India, Indusind Bank, ICICI Bank, Corporation Bank, Karnataka Bank & Shamrao Vithal Co-Op Bank. These banks have also purchased copies & subscribed the Handbook for official use of their staff members.

Samuel Bangera : Marketing & Fee Income

A career banker with over 25 years of branch banking experience with one of the leading Nationalized bank also assumed responsibility as Head of Third Party Products of an old Co-Operative Bank. He has very good grasp on customer behavior and expectations. He has also been able to bring various fee income generating opportunities to the banks. Besides introducing alternate revenue channels. he has also closely worked with Branch Managers & Sales teams to market deposit, loan & fee income products to the various customer segments. Has demonstrated effective persuasive & motivational skils.

Prabheesh Prabhakaran : Marketing & Sales

Has two decades of experience with a leading Private Sector bank. And has assumed responsibility for various branch banking functions as well as Regional Head for Mumbai to source CASA Deposits, Personal Loans, Home Loans, Car Loans, Mortgage Loans, Educational Loans and Wealth Management products such as Mutual Fund, Insurance and Equities.

Subramanian lyer : Treasury, Money Market & Asset Liability Management

Holds Masters degree in Finance & distinction holder in treasury Management with 8 years experience in the field of Money Market. He has served in the position of a broker dealer & operations for trading systems & also has expertise in trading in Govt Securities as well as Currency Futures & has undertaken numerous training programs.

Bharat Jadav : Chartered Accountant

Professor at a leading Mumbai based college and a qualified Chartered Accountant. He is adviser Co-Op banks on various auditing, taxation and best accounting principles and practices as mandated under accounting and regularity norms of the country. He also helps in filing periodic returns and reporting. He ensures that all accounting principles and practices are followed both in letter and in spirit.

C Devraj : Manuals & SOP

Has over 40 years of banking experience with some of the well known foreign, old private and new generation private bank in all areas of banking. Additionally. he also has corporate experience with a large Export House and possesses experience in Corporate Training. He has been assisting Co-Operative Banks for the past 10 years by imparting training and has also created manuals, process notes, job cards and Standard Operating Procedures for 5 Co-Op banks of which 3 are amongst the largest Co-Op banks in the country.

R Sridharan : Motivational Speaker

A well respected Central Banker, Mr Sridharan started his career in a humble way at the Reserve Bank of India at the base level joining on 6th October 1969. In the sojourn spanning over 4 decades tll 2009 (retired on 30th May) held various positions - as Private Secretary to Adviser in Charge. Monetary Policy department, Private Secretary to Principal Legal Adviser then to Executive Director, Deputy Governor before being promoted as the Principal Private Secretary (PPS) to Governor of Reserve Bank of India. He has served as the full fledged PPS to two Governors ie Dr Y V Reddy and Dr Subbarao. Also on the recommendation of Dr Reddy went to Central University of Tamil Nadu to serve as Secretary to the Vice Chancellor Dr B P Sanjay to assist him in establishing The University at Thiruvarur, Tamil Nadu Having served for nearly 2 years, came to join Centre for Advanced Financial Research and Learning (CAFRAL), a training establishment set by Reserve Bank of India as Private Secretary to the Director Mrs Usha Thorat. Served in CAFRAL for nearly 4 years and retired on 2gth May 2015. He has held Training Sessions in RBI Staff College. College of Agricultural Banking, Pune, Central Bank of India, Dena Bank, Clearing Corporation of India, Yes Bank, City Union Bank & Institute for Company Secretaries of India at Nerul. As motivational speaker, he has addressed students at various Colleges in Mumbai - Khalsa, Podar, Father Agnel, Vashi, IIPM, Bandra. Topics covered in banks - Basics of Communication, Art of Decision Making, Bridging interpersonal relationship, Team Building, Time Management. Has a passion to share the experience among growing younger generation in their career.

Som : Chief Strategist

He is a graduate from a prestigious business school in London as well as an alumni of London School of Economics. He has qualified his Masters from IE Business School in Madrid, Spain. He is an experienced Investment Banker with a Swiss Banking giant and has worked in India, Dubai. London and Canada. He has an in depth understanding of the payment landscape of different geographies. Som's various strategies and advice helps our group to expand to various commercial and social initiatives. He ensures that all our divisions scale up the operations and remain largely paperless, digital and adheres to various social media platforms.


Is a Corporate Lawyer, educated in India and London. She has rich experience in the legal team of large Corporates and a US based bank. She is a meritorious student of law and has excellent drafting and negotiation skills. She and her team are responsible for going through all legal documents and agreements.


Head, Compliance & Quality Control. She has extensive experience in Banking, Operations, Compliance and ISO Quality Management. She was working with leading banks in India and with Multinational Corporates in Dubai, UAE. She also has training and mentoring skills and has trained teams on maintenance of records as well as corporate governance.

Prabhakar Singh : Manager - Digital Support

Holds a B.Tech degree in Computer Science Engineering with over 3 years of experience in the field of IT. He has worked as a Software Engineer at HCL Technologies for more than 2.4 years. He is passionate about developing innovative solutions to complex problems and has honed his skills in software design, development, testing, and deployment.