Shri Ashok Kumar Garg has more than 39 years of banking experience in retail, SME, wholesale segment (including global markets & treasury) across four global jurisdictions. He was the Whole Time Director of Bank of Baroda with additional responsibility of being Chairman and director of Bank of Baroda (Kenya) Ltd, Bank of Baroda (Guyana) Ltd., Bank of Baroda (Trinidad & Tobago) Ltd. He also represented the bank in various strategic committee meetings organized by GOI, MOF/IBA to formulate new digital initiatives pertaining to SME lending, Payment & Recovery of impaired assets. He is also on the boards of 360 One Asset Trustee Ltd. (Formerly IIFL Trustee Ltd.), West Coast Paper Mill Ltd., CSI Leasing India Pvt. Ltd. and Paytm Payment Bank Limited.