Ram has got more than 30 years of banking/banking-related experience cutting across organisations. He was with the banking industry (Canara Bank : Award Staff & Officer; State Bank of India : Direct Recruit Officer; and with Reserve Bank of India as Manager (Direct Grade B Officer)) for more than a decade in different parts of the country. He was with The Hindu Business Line newspaper as Banking Researcher/Commentator (focusing on Commercial Banking / Central Banking/ Financial Intermediation overall). In that capacity, he had authored around 250 articles (including editorial pieces) in the newspaper on related topics. He had a stint of almost four years in the Banking Software industry (including Polaris Software Lab). He had been a corporate trainer & consultant in the arena of Banking for more than 10 years. In that role, he had conducted training programmes/MDPs on various topics related to Commercial Banking/Central Banking/Financial Services/application of technology in Banking for around 350 batches of professionals working in different banks/banking software companies/banking BPOs, both in India and abroad. Besides he had been a domain consultant for some of the largest BFSI software companies in India for years. Side by side, he co-founded and nurtured a technology start-up venture in Chennai for three years.
For almost four years (split into two stints) he was with the Goa Institute of Management (GIM) as Professor of Banking & Finance. He handled a host of courses on topics related to Banking/Central Banking/Financial Markets/Finance. He was the MDP Chair in GIM till the last day of his office.
As a visiting faculty, Ram had taught Banking related subjects for MBA students in the Institute of Financial Management & Research (IFMR), Chennai from 2004 to 2015. Again, as a visiting faculty, he had taught Banking in IIM, Rohtak.
Academically, Ram is a B.Com.,Grad. CWA, PGCGM (IIMC) & CAIIB.