Ms. Indumati Pandey

Assistant Professor

Interest Area(s)

Business Finance
Business Economics
Banking & Research Methodology

indumati.pandey@krmangalam.edu.in

Profile

Ms. Indumati Pandey has recently submitted her Ph.D. in Commerce at IFTM University, Moradabad, Uttar Pradesh. Her doctoral research, titled “Management of NPAs in India: A Critical Evaluation of IBC, 2016 on Banking Sector”, reflects her deep interest in banking, finance, and institutional frameworks for debt resolution. She has successfully qualified the UGC-NET in Commerce (2025) and holds a Master of Commerce (M.Com.) degree from Kurukshetra University, a Post Graduate Diploma in Business Management (PGDBM) with specialization in Finance from IIMT, and a Bachelor of Commerce (Honours) from Delhi University.

With over 13 years of corporate experience in Finance and Accounts, including her most recent role as Manager–Finance Operations at HSBC HDPI India Pvt. Ltd., Dr. Pandey brings a rich blend of academic insight and practical industry exposure. At HSBC, she was instrumental in streamlining financial operations, developing SOPs and workflows for audit readiness, and collaborating with automation teams to create innovative solutions such as the Balance Sheet Reconciliation Application (BSR App).

Her research interests lie in the areas of Business Economics, Banking & Finance, Financial Management, and Research Methodology. She has several publications in reputed Scopus-indexed journals, including studies on debt recovery channels, comparative analysis of NPAs in public and private banks, and critical evaluations of IBC mechanisms. She has also presented her work in international conferences, contributing actively to contemporary debates on India’s financial system and insolvency frameworks.

Ms. Pandey is proficient in accounting software such as Tally, SAP, and Oracle, along with statistical tools like STATA and R. She remains deeply committed to academic excellence, student development, and bridging the gap between research and real-world financial practices.

Education

Ph.D. (Commerce) Submitted in Aug 2025
UGC NET (Commerce) 2025
M.Com. 2009
PGDBM (Finance) 2008
B.Com (H) 2005

Experience

Corporate Experience – Finance & Accounts (13+ Years)

Most Recent Company: HSBC HDPI India Pvt. Ltd.

Designation: Manager, Finance Operations

Duration: Sept. 2022 to Jun. 2024

Key Responsibilities:

Achieved seamless month-end closings by streamlining JV postings and reporting processes, curbing delays.
Enhanced accuracy in bank and balance sheet reconciliations by developing a robust checklist system.
Managed invoice generation for group holding entities and facilitated settlements with other entities as part of intercompany accounting processes, ensuring timely and accurate reconciliations.
Spearheaded the creation of SOPs and workflow mechanisms, ensuring audit readiness and operational consistency.
Partnered with automation team to develop an application known as Balance Sheet Reconciliation Application (BSR App) to address intercompany finance issues, time taken for task completion and accuracy.

Publications

Journal Publications

Pandey, I., Saxena, A. K. & Kumar, A. (2025). “Debt recovery channels for Non-Performing Assets in India: Is IBC a new hope.” Journal of Information Systems Engineering and Management, Vol. 10, No. 50S, pp. 261–268. [Scopus Indexed]

DOI: https://doi.org/10.52783/jisem.v10i50s.10158

Pandey, I., Saxena, A. K., Kumar, A. & Gupta, N. (2025). “From Distress to Resolution: A Study of RBI-12 Cases Under the IBC, 2016.” Journal of Information Systems Engineering and Management, Vol. 10, No. 39S, pp. 1060–1068. [Scopus Indexed]

DOI: https://doi.org/10.52783/jisem.v10i39s.7427

Pandey, I., Saxena, A. K. & Kumar, A. (2024). “Non-Performing Assets in India: A Comparative Analysis of Public and Private Sector Banks.” Tuijin Jishu/Journal of Propulsion Technology, Vol. 45, No. 2, pp. 4736–4744. [Scopus Indexed]

https://www.propulsiontechjournal.com/index.php/journal/article/view/6684