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Ph.D. – Commerce | University of Calcutta - Kolkatta

Dr. Asish Saha
Ph.D. in Commerce from University of Calcutta, Kolkatta; Master in Business Management (MBM) in Finance; B.Sc. in Physics
Professor - Banking & Finance

Dr. Asish Saha received his Ph. D. from the University of Calcutta as University Research Scholar. He did his Master’s in Business Management (MBM) with specialization in Finance and was the topper of the pioneering batch of students in the MBM program of the University.

He joined the National Institute of Bank Management (NIBM) as Research Associate in 1982 and rose to the position of Professor, Finance in the year 1994. He was selected as the youngest Director, NIBM in August 2001 and served in the said position for over ten years. During his tenure, he transformed the institution as one of the centers of advanced learning in banking and finance in India. He is the architect of first ever Post Graduate Program in Banking and Finance in India at NIBM which has become one of the key identities of the institution. He has fostered academic collaborations of NIBM with the Kellogg School of Management, Chicago, Stanford Graduate School of Business, USA and The Federal Reserve Bank of New York, USA. The collaborative Leadership Development for Corporate Excellence Program instituted by him at NIBM with the Kellogg School of Management has groomed many CEOs and Executive Directors of Indian banks. Prior to joining FLAME University, he served as the Visiting Professor, Banking and Risk Management Department, in the AACSB accredited School of Economics, Finance and Banking, in the Universiti Utara Malaysia for a five-year period from October 2011 to 2016. He is the Chief Editor of the ERA listed International Journal of Banking and Finance (www.ijbf.uum.edu.my) of the university.

Dr. Saha’s primary research interest is in the arena of banking structure, systems, and processes with specific reference to design of the risk management system, asset liability management system, lending system, benchmarking efficiency, profitability, and productivity in bank branches. He has carried out a series of consulting assignments on organizational restructuring and business repositioning exercise, manpower planning and the design of training systems of major public sector banks in India, design of asset liability management systems and risk management systems, HR integration in bank mergers of five banks in India including that of the Global Trust Bank to Oriental Bank of Commerce, IDBI Bank Ltd to IDBI Bank, United Western Bank to IDBI Bank. In Malaysia, he was awarded major research assignments on saving and investment behavior of Malaysian households, and the evaluation of risk management systems by the Ministry of Human Resources, drivers of housing demand and drivers of default by the Ministry of Finance, Govt. of Malaysia. He was also awarded the assignment to formulate strategies to promote SME’s inclusivity in Malaysia by the Center for Entrepreneurship Development and benchmarking efficiency, profitability and productivity by the Hong Leong Bank, one of the largest banks in the country. He was an ALCO member of two major public sector banks in the India and headed the team at NIBM which facilitated the formulation of the first ALM Policy of the State Bank of India.

He has published research papers in the European Journal of Operational Research, Journal of Economic Studies, Journal of Risk Finance, Asia Pacific Economic Literature, Asian Academy of Management Journal of Accounting & Finance, Decision etc. He has presented many research papers at conferences in N.Y., Chicago, Detroit, Aalborg, and Sydney. His students have been awarded Ph.D. degree by the Pune University and students are presently working under his supervision for their Ph.D. dissertation.