Jyoti Kumar Pandey is the Senior Program Director currently associated with the CAFRAL’s Learning activities. Prior to joining CAFRAL he held positions as Regional Director of Punjab, Haryana, Himachal Pradesh and UT Chandigarh, Chief General Manager of Mumbai Regional Office and Chief General Manager of  Foreign Exchange Department, Reserve Bank of India, Central Office. As a Senior central banker having more than thirty years of experience he is having in-depth domain knowledge in areas of cross border capital and current account transactions and FEMA; regulation and supervision of banks / cooperative banks/ NBFCs; supervision and operation of Payment Systems and IT Controls.  He has also been a Member of Faculty of RBI’s College of Agricultural Banking, Pune.

He has been a Member of the NITI Aayog Committee to Transform India’s Gold Market, the Committee on Gold Issues - a sub-committee of FSDC and also the Internal Task Force for review of Returns in Foreign Exchange Department of RBI.

He holds an MS in Information Systems from Robert H. Smith School of Business, University of Maryland, College Park, MD; an MBA from Pamplin College of Business, Virginia Tech, Blacksburg, VA; and MSc. (Tech.) from Indian Institute of Technology, Dhanbad. He is a Certified Associate of the Indian Institute of Bankers.

C. Sankaranarayanan is the Senior Program Director currently associated with the CAFRAL’s Learning activities. Prior to joining CAFRAL he worked in State Bank for India for more than 35 years and has held a number of very important assignments in the Bank in India and abroad.He had worked as a faculty in State Bank Staff College, Hyderabad, SVP & Regional Head-SBICAPs Chennai, Country Head & CEO-SBI Maldives, CEO SBI Newyork, Director (FDI), Department of Economic Affairs, Ministry of Finance, GOI, New Delhi and General Manager, Circle Audit Office, Chennai. He is a Post Graduate in Economics and a Certified Associate of the Indian Institute of Bankers.