AUTHOR
Prashant Singh
Banker · Credit Analyst · JAIIB · CAIIB
Prashant is a banker with over a decade of Public Sector Banking experience spanning credit analysis, branch management, and MSME lending. He has held progressively senior roles across operations, credit, and business functions — and carries six professional certifications in banking, credit, KYC-AML, and financial risk. He built Bankopedia to make practitioner-grade banking knowledge accessible to every banking professional in India.
Career
From the credit desk to asset management — built on a decade inside a Public Sector Bank.
Education
B.Tech + M.Tech (GATE)
Computer Science graduate from UPTU (now AKTU). Cleared GATE to pursue M.Tech — during which he was selected for a Public Sector Bank, beginning his banking career before completing his postgraduation.
Public Sector Banking
~10 Years
Rose through Assistant Manager → Manager → Branch Manager → MSME Credit Analystacross retail banking, credit operations, and SME lending functions. Earned JAIIB, CAIIB, and multiple specialist certifications during this period.
Now (2024 – Present)
Investment Banking & Asset Management
Transitioned to Asset Management within Investment Banking in 2024, bringing a decade of credit and risk expertise to institutional financial analysis and portfolio management functions.
Banking Positions
A decade of progressive roles across retail, SME, and credit functions in Public Sector Banking.
MSME Credit Analyst
Evaluated credit proposals for Micro, Small & Medium Enterprises — conducting financial appraisals, cash-flow analysis, and risk assessments for the lending portfolio.
Branch Manager
Headed branch operations overseeing retail and business banking, team management, regulatory compliance, and regional business development.
Manager
Managed mid-tier banking operations including loan sanction, NPA monitoring, and cross-functional coordination with credit and compliance teams.
Assistant Manager
Entry-level officer role — handled customer onboarding, loan processing, KYC-AML compliance, and core banking operations.
Areas of Expertise
Knowledge built from years of practice — not from textbooks alone.
Credit Appraisal
Deep experience evaluating credit proposals — financial statement analysis, cash-flow assessment, working capital appraisal, and borrower risk profiling across retail and MSME segments.
Regulatory Compliance
Hands-on compliance exposure across KYC-AML, RBI directives, and prudential norms — applied at branch and zonal level over a decade of PSB operations.
Branch & Operations Management
Led full branch operations — deposit mobilisation, loan book management, team oversight, audit preparedness, and business development across the catchment area.
Financial Risk & Analytics
Formal training in financial risk management and analytics through IIM Kashipur programmes — applied to credit portfolio oversight and regional business performance assessment.
Certifications & Credentials
Six professional certifications spanning banking regulation, credit risk, KYC-AML, and financial analytics.
JAIIB
Indian Institute of Banking & Finance
CAIIB
Indian Institute of Banking & Finance
KYC AML Certified
IIBF — Anti-Money Laundering
Certified Credit Professional
IIBF — Credit Risk & Appraisal
Advanced Financial Analytics
IIM Kashipur
Applied Financial Risk Mgmt
IIM Kashipur
ON BANKOPEDIA
Why he built this platform
After a decade inside a Public Sector Bank, Prashant saw the same problem repeatedly: banking knowledge was fragmented, RBI circulars were impenetrable for most officers, and exam preparation material was too generic to be useful in practice. Bankopedia is his answer — a platform written by a practitioner, for practitioners, grounded in the realities of the Indian banking system.