• Fellow (IIM Calcutta)
• MFM, M Com (Banking & Insurance), CAIIB, B.Sc(Physics Hons)
• PGD Banking, PGD Foreign Trade, PGD MM, PGD PM&IR
• Certificates in LC (Pace University, US), Certificate in OM & FA (Brunel University, UK), Certificate in Econometric Analysis (ICSSR)

Research Areas

• Credit Risk in Banks; Loan Covenants
• Financial Inclusion,
• Corporate Governance in Banks
• Oil & gas Accounting

Significant Publications

• Book: Accounting for Management 2016 ABS Books publication by Vinay Kandpal, PC Kavidayal and Pankaj Baag
• Book: Financial Institutions and Markets 2016 ABS Books Publication by Vinay Kandpal & Pankaj Baag
• Book chapter: ‘Financial Inclusion and the Indian banks’ in the Book- ‘Financial Management: Contemporary Thoughts’ edited by Kumar & Singh, Research India Publications, Delhi, 2015.
• Book Chapter:‘Expanding financial services access for the poor’ in the Book- ‘Financial Management: Contemporary Thoughts’ edited by Kumar & Singh, Research India Publications, Delhi, 2015
• Book chapter: ‘Corporate Governance for Family Firms’ in the BOOK- ‘CORPORATE GOVERNANCE- MILLENNIUM CHALLENGES’ edited by Mishra & Jhunjhunwala, Excel publication, New Delhi, 2009.

Working Papers

1.   Exploring the relation between Promoter?s Contribution and Resubmitted Approved Loan Proposal in the Indian banks at the loan inception stage
Pankaj Kumar Baag    (2014)

2.   Predicting the probability of default Using asset correlation of a loan portfolio
Pankaj Kumar Baag    (2014)