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Sanjay Behuria  

Coach, consultant, facilitator, trainer and mentor in the areas of personal and professional growth, organisation development and small business coaching.

Personal and Professional Profile


Name: Sanjay Behuria

109 Sheldon Rd.Ithaca, NY14850

[mailto:[email protected]]()

Date of Birth: 29 th September 1956

Nationality: Indian

Phone: +16073485397



Banking – MSME & Treasury, Micro Finance, Livelihoods, Fund Management, CapacityBuilding, Small Business Coaching, Institutional Development, Personal Growth, Training and Development, Governance, General Management


Educational & Professional Qualifications:

B.A. History

Certified Associate of Indian Institute of Bankers

Bachelor of Law


MSc. Applied Psychology

Life Coaching Diploma

Associate Cambiste International, Paris –  Financial Dealers Diploma

Diploma in Personnel Management and Industrial relations


Other Professional Training:

Treasury and Fund Management - Bahrain

Risk Management – Saudi Arabian Monetary Authority – Riyadh


Languages Known:

English, Hindi – Speak, Read, Write,


Country Experience:

India, Bahrain, Oman, Saudi Arabia, UAE


Professional and Employment Record:

From  2005-Till date

Self - employed                       

Director - Krishna Bhima Samruddhi Local Area Bank – BASICS group company Consultant, trainer, facilitator and coach in the area of Institutional Development   Personal Growth and senior executive mentor and coach


KBS Bank is one of India’s four LABs functioning and the only one involved in microfinance and micro savings.  The total customer base is over 250,000.  The bank provides insurance and business development services apart from savings and credit services.  


MFI advisor and mentor –

Nirantara Community Services

Institute of Rural Credit and Entrepreneurship Development   


Consultant with BASIX Consulting Group


From: Oct   2003 - To   September 2004

Freelance Treasury consultant, investment advisor and fund manager in Dubai with various corporate entities.


From: August 1995 to August 2003

Riyad Bank – Riyadh, Saudi Arabia

V.P. Treasury – Money Markets 1995-2003

Trading in Financial Instruments (cash and forwards) and Derivatives ( IRS, FRN, Futures, Options)

Treasury Management, Asset and Liability Management:-

Risk Management and Value at Risk

Set up middle office for superior risk management

Liquidity, Cash flow and Balance Sheet management

Funds Transfer Pricing

Islamic banking

Design customized financial products


From: August 1993 to August 1995

OmanInternational Bank-Oman

Treasury Senior Forex  Dealer – 1993-1995

Trading in financial instruments

Asst Liability and Liquidity Management

Project Committee Member for implementing Treasury System

Design customized financial products


From: 1978 To 1993 – State Bank of India

Senior Management & Treasury Dealer - Bahrain 1989-1993

Senior Management & Treasury Dealer – Mumbai 1988-1989,

Branch Manager – Middle Management – Higher financial responsibilities in MSME, Trade Finance and Management1987-1988,

Commercial & Institutional Banking – Trade finance, MSME and Branch accounting and Clearing house for Financial Transactions -1985-1987

Branch Manager – Junior Management – MSME, Deposits, Remittances, Fund Management and Branch Accounting 1982-1985,

Project Manager Rehabilitation of displaced population – 1982

Loan Officer MSME and micro-credit – 1980-1982,

Probationary Officer 1978-1980,













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