J&K Bank's diverse and rich culture is abundantly evident in its Board Members, who provide direction to the Bank in order to achieve its vision. A brief profile of our eminent Board Members is as under:

Mr. Rajesh Kumar Chhibber joined the services of the Bank as Probationary Officer in the year 1982 and has led the Bank in different capacities from managing business operations at Branch and Zonal offices to the Corporate Level across the operational geography of the Bank.

Bringing a treasure of experience to the chair that spans over three decades, his areas of expertise include Credit, Finance, IT, Corporate & Retail Banking, Risk management, Trade Finance, Foreign exchange, Business continuity planning, HR, Bancassurance.

As Vice-President in 2009, he headed the technology department of the bank and made remarkable contributions in creating the technology infrastructure of the bank besides instituting the process of providing relevant expertise to the staff.

He also became Chairman J&K Grameen Bank for two years and nine months and brought great laurels to the bank by accomplishing its key strategic goals.

Elevated as Executive President on June 1, 2018, he was the Bank’s Chief Compliance Officer besides heading Business Support division, Insurance, Government Banking, Lead Bank, CSC, FID, Subsidiary Management, Culture & Sports functions of the bank.


Mr. Atal Dulloo, IAS, 1989 batch IAS officer of JK Cadre, now merged with AGMUT Cadre, after completion of his probation, worked in Jammu and Kashmir till November 2013 in different capacities, he discharged his duties as Deputy Commissioner Baramulla, Deputy Commissioner Rajouri and Deputy Commissioner Udhampur. In 2002 he has been elevated to the level of Administrative Secretary and worked as Administrative Secretary in various Departments, which include the Public Health Engineering, Irrigation & Flood Control Department (Now Jal Shakti Department), Forest Department, Tourism Department, Public Works (Roads & Buildings) Department and Health & Medical Education Department. In November 2013 to September 2018, he was on Central deputation in the Ministry of Rural Development, Government of India, where he was posted as Joint Secretary cum Mission Director, National Rural Livelihood Mission (DAY-NRLM). After repatriation from Central deputation in September 2018, he was posted as Principal Secretary to the Government, Health & Medical Education Department and was elevated to the Apex level of Financial Commissioner on 30.05.2019 and re-designated as Additional Chief Secretary, Health and Medical Education Department. Presently he is working as Additional Chief Secretary (Financial Commissioner), Finance Department w.e.f 18th August 2021.


Shri. Nitishwar Kumar is an Indian Administrative Services Officer of 1996 batch. He is presently Principal Secretary to Hon’ble Lieutenant Governor Govt. of Jammu & Kashmir (UT). Prior to this, he was serving as Joint Secretary/Member Secretary, National Council for Teacher Education (NCTE), Department of School Education & Literacy, Ministry of Education.

His career in different fields of administration spans over 24 years. Having worked in different capacities and departments at State and Central government level he possesses a wide range of experience and expertise. He has worked in Health, Education, Revenue, Agriculture, Energy, Transportation, Water Resources, Cooperation and Human Resource Development. In many of his assignments he has been responsible for Planning and Programme implementation which is his area of expertise.

Shri. Kumar is a post graduate in Economics and has also done Masters in Public Management and Governance from London School of Economics & Pol. Science.

He is also an avid reader and keen observer of nature and is widely known for his literary pursuits, poetry and singing.


Mr. Anil Kumar Misra was an Executive Director in the Reserve Bank of India, responsible for supervision of banking- as well as non-banking-financial institutions, and retired in July 2018. As a career central banker since 1982, his experience encompasses the areas of currency management, foreign exchange, payment systems, regulation and supervision of banking- and non-banking-credit intermediaries, financial inclusion, and risk monitoring in the Reserve Bank. He was also a Director on the Boards of the Union Bank of India and Export Credit and Guarantee Corporation of India Limited.

His international experience includes a four-and-a-half year stint as a Member of Secretariat at the Financial Stability Board (in Basel, Switzerland), which is the G20 arm for dealing with the global financial-sector issues and policy reforms. At the FSB, he was closely involved with the roll out of the FSB’s International Cooperation and Information Exchange Initiative, its global outreach strategy via the six world-wide Regional Consultative Groups comprising over 65 countries, and its governance reforms, which led to certain structural changes in the FSB.

He holds Master’s degrees in Business Management (Banaras Hindu University) and in Public Administration (Harvard University, USA).


Dr. Rajeev Lochan Bishnoi, 60, is a credit specialist and advises corporates and banks on balance sheet stress, risk processes and improving the overall financial health of the enterprise. He was till recently a Government of India nominee Director on the Board of one of India’s largest Government owned banks viz. Bank of India, where he also served as the Chairman of its Audit Committee and a member of its Board Committees on Credit, Human Resource, WilfulDefaulters, Risk Management, Customer Service and Remuneration & Nomination. He is currently director on the board and in various board level committees of BOI Merchant Bankers Limited as Independent Director.

Rajeev is an Independent Director on the Boards of VLS Finance Ltd, VLS Securities Ltd & VLS Capital Ltd and Chairman of Audit Committees along with Board level committees on Nomination & Remuneration as well as CSR Committee. He is a life member of Non-Executive Directors in Conversation Trust (NEDICT) promoted by Mr. M. Damodaran, former UTI Chairman & Secretary (Banking), working to establish the best practices for Boards & NEDs. He is an advisor to the J.P. Mathur Charitable Trust, New Delhi, where research is carried out in fields of economic policy and governance with an emphasis on banking. He was a lead organizer of two national level conclaves i.e. Economic Conclave in 2017 and Banking Conclave in 2018 under aegis of the India Policy Foundation and Centre for Economic Research.

Rajeev has a deep interest in Education and has supervised the development of two Rural State Universities and their undergraduate and post-graduate programs with a special focus on employability. He is a member of the Board of Management of Shobhit University (U.P.).

With a strong commitment to Renewable and Sustainable Energy Development, Rajeev founded, ADS Greenlife Foundation – devoted in the field of clean and green technologies.

A Former Advisor to the UP Export Corporation Ltd., Rajeev was invited by the Government of Kazakhstan to deliver the Keynote Address at a seminar on ‘The Role of Small & Medium Enterprises in the National Economy’ held at Kazakhstan.

As a firm believer in the philosophy that economic activity at the bottom of the pyramid is the backbone of the eco-system of an emerging nation, Rajeev completed his doctoral research work on "Vision and Strategy for Development of Entrepreneurship through Micro Finance and Micro Enterprises in Developing World". He also continuously researches Ancient Indian Economy and History to find lessons for today’s economic conundrums. This is another field of research and study for him now.

Rajeev is a Fellow Member of the Institute of Chartered Accountants of India and was member of its Professional Development Committee. Currently he is a partner in Chartered Accountancy firm M/S Jain & Malhotra, New Delhi.

Rajeev is a hobby poet- and has recently written a book of his poetry and Dohas in Hindi, titled “Man Laago Mero Yaar Fakiri Mein” published by Sahitya Bhandar, Allahabad.


Ms. Monica Dhawan, an alumnus of the International Management Institute, holds an MBA in Business Management & Marketing and is a graduate of the prestigious Institute of Hotel Management Pusa. Ms. Monica is the founder of Fusion Corporate Solutions Pvt. Ltd. Since 1999 and has led the company to be a disruptive innovation led experiential marketing company servicing marquee government and private sector clients in the areas of conventions/congress/expositions / Events / Media Campaign - their conceptualization, design, and execution. An active member of the 'Art of Living' society & a core team member for the World Cultural Festival in India organized in New Delhi, she has been acknowledged nationally and internationally for her fantastic work in the sector. Amongst her list of achievements, she was "An Ambassador" (India) for WIA (Women In Africa) Club in the year 2017/18; awarded "Women Achievers Award" for inspiring Women as a "Young Woman Entrepreneur" by encouraging the community through a passion-filled drive on - "Tree Plantation", “Environmental Sustainable Solutions” as an initiative through Tree n Me foundation besides being an invited inspirational guest speaker at various talk shows for corporates and educational institutions from across the globe.


Mr. Naba Kishore Sahoo, aged 61 years has been a banker throughout his life.   Starting his career as scale I officer in Canara Bank, he has moved up to scale VII level during a span of 32 years and finally as Executive Director in Allahabad Bank for 4 years. He has thus to his credit a very rich and diverse experience in banking industry with expertise in Credit, Risk Management & HR. During his career he has been highly successful in driving business and achieving all round performance under very critical and challenging circumstances.  His exposure in banking covers a wide spectrum of areas ranging from Urban, semi urban and rural areas in addition to overseas exposure as Chief Executive of Canara Bank in London. He led his teams as a Circle Head of Bhubaneswar and Pune and has been awarded and recognized within the organization as a STAR PERFORMER. He has emerged as a leader by putting efforts in positioning the organisation in the right place by adopting proper strategy, planning, guidance and execution. In addition to being an Agricultural Science graduate which has been instrumental to his success in Rural banking he has done CAIIB from Indian Institute of Bankers. Besides he has also attended numerous advanced level programs both in India and abroad.

Mr. Sahoo lives in Bhubhaneshwar where in addition to his flair for reading, he is now actively engaged in social work and helping people wherever his acquired skills and knowledge can be put to use.


Dr. Mohmad Ishaq Wani holds a Masters in Science, M.Phil. and Doctorate from the University of Kashmir. He joined State Accounts services after qualifying State Combined Competitive Examination in 1984 and has served the Government of Jammu & Kashmir at various positions for over 3 decades. These include codal and budgeting matters, treasury administration & associated functions, GP funds management and administrative issues.

Dr. Wani has held various positions at different points of time during his service, which inter--alia include Director General Accounts and treasuries, Budget and J & K Funds Organization, Director Budget & Codes, Director Finance (SKIMS) etc.

Dr. Wani had been associated with Interpretation of Financial Codes, vetting of proposals and Consent to drawing up of contracts by the various Departments during his term in the Codes Division. He has tendered opinion on matters Involving significant financial implications and settling of specific pay anomaly issues

The responsibilities in budgeting has inter alia revolved round to drawing up of Demand for Grants after collation and analysis of financial data, preparation of Annual Financial Statement (AFS) and its subsequent monitoring. Other spheres of activity therein included vetting of schemes & furnishing of opinion on financial matters. He had also been associated with standardization of detailed heads of accounts and integration of structural changes in budgets involving differentiation of expenditure into Revenue and Capital components and doing away with the other tiers of classification.

Dr. Wani has attempted substantial rejuvenation of Fund Organisation in terms of computerization and dedicated networking to bring in methods for improvement in working conditions and proper HR management. This ultimately paved way for ease in settlement of cases of superannuating employees.

Dr. Wani has served as Finance Member of various apex state level contract committees of Public Works Department, Public Health Engineering Department, SKIMS, Irrigation and Flood control Department and Mechanical Engineering Department over a period of time to oversee that canons of Financial Propriety relating to high end contracts are followed in letter and spirit.

He has also served as Member Secretary of the Empowered Committee for regularization of Adhoc/Contractual/Consolidated employees under J & K Civil Services Special Provisions Act.

In recognition of outstanding contributions and implementation of finance rules and regulations in different departments as a public servant, Dr. Wani was conferred with the State Award for meritorious public service in the year 2014.