A post-graduate in Commerce and a Certified Associate from the Indian Institute of Bankers (CAIIB), Karnatak has over 27 years of banking experience in Branch and Administration.
During his stint as General Manager of erstwhile Oriental Bank of Commerce, he headed large Corporate Credit Branches and verticals such as Credit Monitoring, Digital Banking and Mid Corporate Credit. After the amalgamation of Oriental Bank of Commerce into Punjab National Bank, he was heading the Credit Review & Monitoring Division and Corporate Credit Division.
Karnatak has attended various training and Leadership Development Programs from IIM-Kozhikode and JNIDB Hyderabad and has also taken part in Advance Management Programme at IMI (International Management Institute) Delhi and IIBF (Indian Institute of Banking & Finance).
He was a part of 1st batch of Senior Officers selected by the Bank Board Bureau for the Leadership Development Program of IIM Bangalore & Egon Zehnder. He carries with him credit appraisal skills including project funding and Working Capital funding along with Risk Management with specific reference/ special emphasis on Credit Risk.
He has also served as a Nominee Director on behalf of PNB on the Board of PNB Housing Finance Ltd. and ISARC (India SME Asset Reconstruction Company Limited).