Praveen Kumar Bhalla is currently employed with Housing Development Finance Corporation Ltd (HDFC) as Additional Senior General Manager. He joined HDFC in the year 1983 and has vast experience in the various functions related to Housing Finance. At present, he heads the Human Resources Function at HDFC Ltd.. In addition he is the head of Retail Credit Risk Management function at the Delhi branch. Before assuming the above responsibilities he headed the Retail lending function at New Delhi. He has also been involved in the development and execution of training programmes for HDFC staff in Credit Risk Management and lending functions. He has conducted number of training programmes for local and international participants from Mortgage Finance companies and banks both at national and International level. He is a regular visiting faculty to various banks in Indonesia since last 5 years. Apart from regular recovery techniques, he strongly believes in recoveries through individual expertise in “Negotiating Skills” and also applying techniques of Neuro Linguistic Programming. He has also completed a course on Housing Finance and & Securitization organised by IHFP at Wharton School, Pennsylvania, USA.