Dr. K. L. Dhingra is the Director of National Institute of Bank Management. He has over thirty-five years of rich and diverse experience in the banking and financial sector, overseeing credit, project appraisal, merchant banking, financial services, credit rating, industrial finance, resource mobilization, World Bank - IBRD/IDA funding, risk management, housing and infrastructure finance. He has also considerable expertise in the area of infrastructure development and revival of sick / financially stressed PSEs.