Jitendra Kumar Ram (MBA, PhD) is presently a senior manager at Odisha Gramya Bank (OGB). He is a CAIIB with more than three decades of experience in banking. He has published six books and over twe...view moreJitendra Kumar Ram (MBA, PhD) is presently a senior manager at Odisha Gramya Bank (OGB). He is a CAIIB with more than three decades of experience in banking. He has published six books and over twelve research papers.view less