Mr. Kalia has been a career Banker with professional experience of over four decades. A Gold medalist Post Graduate in Political Science, Mr. Kalia joined Bank of Baroda in 1973 and worked in several capacities up to the level of General Manager in Bank of Baroda till 2008 when he was appointed as Executive Director of Vijaya Bank by Government of India. Mr. Kalia also served as Executive Director of Union Bank of India till his superannuation in 2011.

Mr. Kalia has been member of various committee constituted by Government of India, Reserve Bank of India & Indian Bank Association. He has rich Corporate Governance experience having served on Boards of Public Sector/ Private sector Banks both domestically & globally as also on several other institutions/companies. Having served in London and Mauritius and having carried out Home office inspections in various overseas jurisdiction in Bank Of Baroda, Mr.Kalia also has rich international experience.

Post retirement. Mr. Kalia has served as member of the committee constituted by Reserve Bank of India on Priority Sector Lending. He also served as Advisor & Head Debt Markets Cell constituted by DFS, Ministry of Finance, Government of India under the aegis of IIFCL. Mr Kalia has also served as member of Empowered Committee on External Commercial Borrowings of Reserve Bank of India from 2012 to 2016. He has also been associated with Corporates, NBFCs as Advisor in financial service sector space.

Mr Kalia is currently on the Boards of few of listed companies .He is also recipient of several awards including Banker Shrimoni Award, Utkarsh Award & Distinguished Alumni Award. He has contributed articles on Banking Sector & Corporate governance & featured in panel discussions on Bloomberg TV (now renamed as BTVi)