About Himanshu Nayak

A values driven author, sustainability advocate, and public thinker committed to environmental responsibility, social awareness, and meaningful change.

ABOUT / HIMANSHU NAYAK

A Life Shaped by Profession, Purpose and Responsibility.

I am Himanshu Nayak, a banking professional, author, environmentalist, climate and sustainability advocate, social thinker and speaker.

My journey brings together more than two decades of professional experience with a personal commitment to environmental protection, writing, social responsibility and knowledge sharing.

"I believe that success is not measured only by the positions we hold or the milestones we achieve. It is also reflected in the values we uphold, the responsibilities we accept and the contribution we make to society and the planet."

My Story

Discover the experiences, people and turning points that gradually transformed my understanding of success, responsibility and purpose.

Read My Story

Professional Journey

Explore my professional journey of more than 23 years across banking, financial services, mortgage credit, underwriting and leadership.

Explore My Professional Journey

Purpose & Values

Understand the principles of integrity, responsibility, compassion, sustainability, knowledge and service that guide my professional and personal life.

Discover My Purpose & Values

A Professional Life with Purpose. A Personal Commitment to the Planet.

My Story

From Professional Ambition to a Life of Purpose

A Journey of Profession, Family, Responsibility and Environmental Consciousness

I am Himanshu Nayak.

My story is not defined by one profession, one achievement or one moment. It is a journey shaped by professional experiences, family, people I have met, lessons I have learned and a growing belief that life becomes more meaningful when personal progress is accompanied by contribution to society.

Building a Professional Life

I began my professional journey on 10 February 2003 with ICICI Bank in Delhi.

Over the years, my career took me through different financial institutions, cities, responsibilities and leadership roles.

Banking and financial services taught me discipline, accountability, analytical thinking, risk awareness and the importance of making responsible decisions.

Today, I serve as an Assistant Vice President at Axis Bank.

My profession continues to be an important part of my identity. But as my career progressed, I increasingly began asking myself a larger question:

Beyond building a career and supporting my family, what meaningful contribution can I make during my lifetime?

That question gradually changed the direction of my personal life.

A Turning Point

In March 2011, during a difficult period in my personal life, I met Mr. Ramesh Panda of Kalinga Ashram.

His commitment to charitable work, particularly his service to orphaned children, left a lasting impression on me.

After joining Repco Home Finance in Bhubaneswar in May 2011, my wife and I began visiting orphanages and old age homes.

These experiences introduced me to a world beyond professional achievement.

They taught me that success becomes more meaningful when we are willing to share some part of what we have our time, resources, knowledge or compassion with others.

When Trees Became Part of My Life

Another important turning point in my life came in June 2015.

During a conversation with Mr. Ramesh Panda at Kalinga Ashram in Berhampur, we discussed tree plantation and our responsibility towards nature. Encouragement from others during that period further strengthened my determination to translate the idea into action.

On 3 July 2015, with the support of members of my village club, I began a plantation drive in my native village of Gomundia, in the Parikud region of Odisha.

Parikud is a beautiful island region comprising 96 villages (mouzas), surrounded by the waters of Chilika Lake and the Bay of Bengal. Growing up with a connection to this unique coastal landscape made the initiative especially meaningful to me.

It was a modest beginning, driven by a simple desire to make my native land greener.

At that time, I had little idea how deeply trees, environmental protection and community service would become connected with the rest of my life.

The initiative came to be known as Green Parikud.

As plantation activities gradually expanded, villagers, volunteers, teachers, students, women from Self Help Groups (SHGs), social workers and other community members began participating in various environmental activities under Green Parikud.

What started as a small village plantation drive gradually became a shared effort to encourage environmental awareness, community participation and responsibility towards nature.

Their enthusiasm and collective contribution taught me a lesson that continues to guide my environmental journey:

Environmental change becomes stronger when individual responsibility becomes collective action.

Celebrating Differently

In 2016, as my elder son's first birthday approached, I wanted to celebrate the occasion in a way that would create a lasting impact beyond our family.

I proposed distributing hybrid fruit bearing saplings to our relatives, friends, villagers and well wishers, instead of organising a grand birthday celebration.

However, my family initially had a different vision. Like many families, they wished to celebrate this special milestone with a grand gathering, following the social traditions and expectations associated with a child's first birthday.

This difference of opinion led to several discussions within our family. I respected their feelings, but I remained convinced that celebrating by giving something back to nature and society would make the occasion even more.

After much discussion, I finally persuaded my parents and brothers to support my idea.

We celebrated the birthday with a simple Satyanarayan Puja and distributed 2,000 hybrid mango and lemon saplings, valued at approximately ₹1 lakh, among our relatives, friends, villagers, neighbouring villagers and well wishers.

What could have been a celebration lasting just one day became an opportunity to plant something that could grow, bear fruit and benefit people for years to come.

For me, it was more than a birthday celebration. It was an expression of my belief that personal happiness and social responsibility can go hand in hand.

That experience strengthened a principle that continues to guide my life:

The most meaningful celebrations are not always the grandest ones, but those that leave something valuable behind.

Important moments in our lives can also become opportunities to give something back.

My Personal Commitment Since April 2018

Around the same period, my respected schoolteacher, Shri Simanchal Sahoo Sir, shared a thought that left a lasting impression on me. He believed that every earning individual should ideally dedicate 15% of their monthly income towards social welfare and helping others.

His words inspired me to turn occasional acts of giving into a regular personal commitment.

I began setting aside 15% of my monthly salary for social causes, including environmental activities and support for people in need.

As my professional journey progressed, two important milestones came in 2018.

In January 2018, I received the Dronacharya Award, followed by a top performance rating in my annual appraisal in April 2018.

These recognitions brought me professional satisfaction, but they also carried a deeper personal meaning.

I felt that the trees I had helped plant and the environmental activities I had undertaken were, in some spiritual sense, returning their blessings to me. It was my personal belief not that planting trees had caused my professional success, but that doing something meaningful for nature had brought greater positivity, gratitude and purpose into my life.

With that feeling of gratitude, I decided in April 2018 to strengthen my commitment to social responsibility.

My Personal Commitment Since April 2018

20% of my monthly salary and 50% of my annual bonus towards social causes, with the majority directed towards environmental activities.

For me, this is not philanthropy on a grand scale, nor is it something I consider extraordinary.

It is simply a personal discipline; a way of reminding myself that giving should be part of how we live, rather than something we do only when money remains after meeting every other expense.

Over the years, this commitment has become an important part of my personal philosophy.

I believe that the true value of what we earn lies not only in how it improves our own lives, but also in how much good we can create by sharing a part of it with others.

From Planting Trees to Creating Awareness

As my involvement with environmental activities increased, I realised that planting trees alone could not address the scale of environmental challenges around us.

Awareness matters.

Knowledge matters.

Behaviour matters.

Over the years, I have participated in environmental awareness camps and educational programmes at schools, colleges and community locations, interacting with students, teachers and citizens on environmental protection, tree plantation, climate change and responsible living.

These interactions strengthened my conviction that environmental education, particularly among young people, can create change that lasts much longer than a single event.

From Environmental Action to Writing

As my involvement in environmental activities grew, I gradually realised that planting trees and creating awareness were equally important. While plantation activities could contribute to a greener environment, knowledge and education could inspire people to understand environmental challenges and take responsibility for protecting nature.

An important turning point came during an environmental awareness programme at Ruknidevi Chilika Mahavidyalaya, Chilika Nuapada, Krushnaprasad, Puri, where conversations with journalists Mr. Durga Swain and Mr. Kailash Pattnaik encouraged me to consider writing about environmental issues.

Around the same period, Mr. Sakyasingha Mahapatra, founder of SakRobotix, encouraged me to explore climate related subjects more deeply, particularly climate change and its implications for our planet.

Their encouragement planted another seed in my mind, the idea of contributing to environmental awareness not only through field activities but also through research, writing and knowledge sharing.

In January 2020, I began a more structured journey of environmental reading and self directed research. I purchased books by prominent environmental authors and started studying environmental articles, scientific publications and research papers to broaden my understanding of climate change and sustainability.

What began as personal curiosity gradually developed into a serious commitment to learning.

I devoted substantial time outside my professional responsibilities; often during early mornings, evenings, weekends and holidays to reading, researching and writing about environmental challenges.

The COVID-19 pandemic became an unexpected period of deeper learning. With more time available for reading and writing, I was able to explore environmental subjects in greater detail, organise my thoughts and gradually transform my accumulated knowledge into manuscripts.

Over the following years, this journey evolved into writing books covering climate change, trees, carbon footprints, air pollution, water scarcity, soil degradation, waste management, biodiversity loss, ESG and other sustainability challenges.

I never began this journey with the ambition of becoming an author. My original intention was simply to understand environmental problems better and share that knowledge with others.

Gradually, writing became another meaningful dimension of my environmental journey; a way to reach people beyond the locations where I could personally participate in plantation drives or awareness programmes.

For me, environmental action and environmental education are complementary responsibilities.

Plant a tree, and you may transform a place.

Share knowledge, and you may transform a mind.

Both are essential for creating a more environmentally conscious and sustainable future.

From a Book to the Carbon Calculator

While researching and writing my book The Carbon Footprint, one question repeatedly stayed with me:

How can an ordinary person understand the carbon impact of everyday life?

Knowing about climate change is important. But awareness becomes more useful when people can connect the issue with their own energy use, transportation, food, waste, consumption, and other activities.

This thinking inspired me to conceptualise a Carbon Calculator framework covering six areas:

Individual | Household | Agriculture | Business | School & College | Event

The idea reflects a principle that has become central to my climate philosophy:

What gets measured can be understood. What gets understood can be reduced.

The Journey Continues

Today, my life continues along several paths, connected by a common purpose: to keep learning, contribute meaningfully and make a positive difference wherever possible.

I remain a full time banking professional, continuing my career with the same commitment to integrity, responsibility and professional excellence.

Alongside my profession, I continue to research and write about climate change, environmental protection and sustainability, with the aim of making complex environmental challenges easier for people to understand.

My writing journey has also expanded beyond environmental subjects. I have begun exploring social issues that require greater public awareness, changes in attitudes and meaningful social reform. Through my social and motivational books, I hope to encourage young people and other sections of society to develop stronger values, responsible habits, positive thinking and a sound foundation for life.

Some of these books have already been published, while others are at different stages of writing and preparation.

I continue to learn about climate change, sustainability and the social challenges affecting our communities. I believe that learning is a lifelong responsibility, and that sharing knowledge is one of the most meaningful ways to contribute to society.

I also remain committed to supporting environmental and social causes through my personal resources and, whenever possible, participating in activities that encourage people to connect with nature and embrace environmental responsibility.

A Journey Made Possible by Many

None of this has been an individual journey.

My wife and family have stood beside me through years of professional responsibilities, personal challenges and environmental commitments. Their understanding, encouragement and support have been invaluable.

I am equally grateful to the teachers, mentors, friends, volunteers, students, villagers, social workers and countless others who have contributed to different stages of my journey.

Whatever I have been able to accomplish has been strengthened by their guidance, encouragement and collective participation.

The Story Is Still Being Written

I do not consider my journey complete.

There is still much to learn, much to write, many ideas to explore and much more to contribute.

I hope to continue using my professional experience, personal resources, writing and environmental knowledge to encourage greater awareness, responsible choices and positive social change.

I may not be able to solve every problem or influence every person. But I believe meaningful change begins when individuals accept responsibility for what lies within their reach.

My belief is simple:

“We may not be able to change the entire world, but each of us can take responsibility for the part of the world we touch.”

Ideas • Purpose • Action • Impact
Professional Journey

More Than 23 Years in Banking & Financial Services

A Career Built on Learning, Leadership, Credit Expertise and Responsibility

My professional journey began on 10 February 2003 with ICICI Bank in Delhi.

Over more than 23 years, I have worked with seven financial institutions across different regions of India, gaining experience in retail banking, consumer finance, housing finance, mortgage credit, underwriting, credit risk management, operations and leadership.

From my early years in Delhi to managing credit responsibilities across multiple states, and eventually returning to Odisha, each stage of my career has contributed to my professional growth.

My journey reflects continuous learning, increasing responsibilities, adaptability and a commitment to professional integrity.

Career Timeline

ICICI Bank | CPA Manager

February 2003 – August 2008 | Delhi

I began my professional career on 10 February 2003 with ICICI Bank, working in Auto Loan Credit.

I initially joined as a CPA, subsequently progressed to Team Leader, and later became CPA Manager.

During more than five years with ICICI Bank, I developed a strong foundation in retail credit operations, credit processes, team coordination and professional accountability.

Working in a large banking institution during the formative years of my career taught me the importance of discipline, structured processes, operational efficiency and consistent credit standards.

This experience laid the foundation for my subsequent career in credit and financial services.

Barclays Finance | Team Leader

September 2008 – February 2009 | Delhi

I joined Barclays Finance as a Team Leader in Unsecured Loan Credit.

This assignment broadened my exposure to retail lending beyond secured asset finance.

It also strengthened my experience in team coordination, credit related processes and working in a performance oriented financial services environment.

Fullerton India Credit Company Ltd. | Team Leader

March 2009 – December 2009 | Delhi

My professional journey continued with Fullerton India Credit Company Ltd., where I served as a Team Leader in Centralised Retail Operations.

The role provided further exposure to centralised financial services operations, process management and team responsibilities.

Working with different financial institutions during these early years helped me understand varied organisational cultures, operational systems and approaches to retail lending.

Indiabulls Home Finance Ltd. | Credit Officer

December 2009 – October 2010 | Delhi

I subsequently joined Indiabulls Home Finance Ltd. as a Credit Officer.

This assignment marked an important stage in my transition towards housing finance and mortgage credit.

It strengthened my understanding of credit evaluation, borrower assessment, lending decisions and the need to balance business opportunities with prudent risk management.

Repco Home Finance Ltd. | Branch Manager

May 2011 – July 2012 | Bhubaneswar, Odisha

On 5 May 2011, I joined Repco Home Finance Ltd. as Branch Manager in Bhubaneswar.

This position expanded my responsibilities from credit related functions to broader branch leadership and management.

My role involved branch operations, business development, housing finance activities, team management and coordination across different operational functions.

This experience strengthened my understanding of the relationship between business growth, customer service, credit quality and operational discipline.

It was an important transition in my career, bringing together leadership and functional responsibilities.

DHFL | Area Operations Manager

July 2012 – January 2014 | Bhubaneswar, Odisha

I joined Dewan Housing Finance Corporation Ltd. (DHFL) as Area Operations Manager, with responsibilities covering Odisha.

My role involved overseeing and coordinating several important functions, including:

  • Credit
  • Operations
  • Legal
  • Technical
  • Collections

This assignment provided valuable experience in the interconnected functions of housing finance and strengthened my understanding of end to end lending operations.

Managing multiple functional responsibilities also helped me develop a broader perspective on operational efficiency, risk management and coordination across teams.

DHFL | Area Credit Manager

February 2014 – September 2016 | Kolkata, West Bengal

I was subsequently transferred to the Kolkata Zonal Office, where I took on the role of Area Credit Manager.

My Home Loan credit responsibilities extended across a large geographical region covering:

Odisha | Chhattisgarh | Bihar | Jharkhand | Assam | West Bengal

This was a significant phase of my professional journey.

Managing credit responsibilities across multiple states exposed me to diverse regional markets, borrower profiles, lending environments and operational challenges.

The assignment strengthened my experience in mortgage underwriting, credit risk assessment, regional coordination and credit management across geographically dispersed territories.

It also prepared me for broader responsibilities in the banking sector.

Axis Bank | Area Credit Manager

September 2016 – April 2024 | Chhattisgarh

I joined Axis Bank in September 2016 as Area Credit Manager, initially at the grade of Senior Manager.

My functional responsibilities covered Home Loan and Loan Against Property (LAP) credit across Chhattisgarh.

During this period, I continued developing my experience in mortgage underwriting, credit risk assessment, credit policy compliance, business coordination and credit leadership.

An important professional milestone came in April 2022, when I was promoted to Assistant Vice President (AVP).

This recognition marked another significant step in my professional development.

Over more than seven years in Chhattisgarh, I gained valuable experience in managing state credit responsibilities, working with business stakeholders and maintaining appropriate credit discipline in a competitive lending environment.

Axis Bank | Assistant Vice President (AVP) | Area Credit Manager

April 2024 – Present | Bhubaneswar, Odisha

In April 2024, I moved from Chhattisgarh to Bhubaneswar to fulfil family commitments, while continuing my professional journey with Axis Bank.

My responsibilities now cover Home Loan and Loan Against Property (LAP) credit for Odisha.

My professional work includes mortgage credit assessment, underwriting, risk evaluation, credit policy compliance and coordination with business stakeholders to support responsible lending decisions.

Returning to Odisha has allowed me to continue my professional responsibilities while remaining closer to my family and native state.

Areas of Professional Expertise

Over more than two decades, I have developed experience across several interconnected areas of banking and financial services.

Mortgage Credit & Underwriting

Home Loan and Loan Against Property credit assessment, underwriting and responsible lending decisions.

Retail & Housing Finance

Professional exposure to Auto Loans, Unsecured Loans, Housing Finance and mortgage lending across banking and non banking financial institutions.

Credit Risk Management

Assessment of borrower profiles, creditworthiness, lending risks and compliance with applicable credit policies.

Regional & Multi State Credit Management

Experience handling credit responsibilities across individual states and multiple state territories, including eastern, northeastern and central India.

Leadership & Team Management

Experience in team leadership, branch management, operational coordination and regional credit responsibilities.

Banking Operations

Exposure to centralised retail operations, branch operations and coordination across credit, legal, technical and collections functions.

Business & Credit Coordination

Working with business stakeholders to support lending activities while maintaining credit discipline and professional independence.

Professional Decision Making

Applying analytical thinking, Calculated Risk, judgment, policy interpretation and accountability to credit related decisions.

What More Than Two Decades Have Taught Me

My professional journey has taken me through different institutions, cities, markets, responsibilities and challenges. Each stage has contributed valuable lessons.

Integrity Is Fundamental

In banking and financial services, trust is essential. Professional decisions must be guided by ethics, fairness, accountability and adherence to established policies.

Credit Requires Balance

Responsible credit management requires balancing business opportunities with risk. Sustainable lending depends on sound judgment, disciplined assessment and the ability to make decisions based on facts rather than pressure.

Leadership Means Responsibility

Leadership is not merely about designation or authority. It is about taking ownership, supporting colleagues, communicating effectively and remaining accountable for decisions and outcomes.

Continuous Learning Is Essential

Financial markets evolve. Regulations and policies change. Technology transforms business processes. Customer expectations develop. A successful professional must remain willing to learn, adapt and improve.

Challenges Build Resilience

A long professional career inevitably includes transitions, difficult decisions, setbacks and changing circumstances. I believe these experiences are as important as achievements because they develop patience, adaptability, resilience and a deeper understanding of oneself.

Profession and Purpose

Banking remains my full time profession and an important part of my identity.

Alongside my professional career, I have developed personal interests in environmental protection, climate and sustainability awareness, writing, social responsibility and knowledge sharing. These are personal pursuits undertaken separately from my professional employment.

I believe professional success and personal purpose need not be competing priorities. One can remain committed to professional responsibilities while also making time for family, learning, personal interests and meaningful contributions to society. For me, both require discipline, integrity and consistency.

After more than 23 years in banking and financial services, I continue to believe that a professional journey should not be measured only by the positions held, promotions received or years completed. It should also be measured by the quality of decisions made, responsibilities fulfilled, relationships built, lessons learned and values upheld.

My Professional Philosophy

"Learn Continuously. Decide Responsibly. Lead with Integrity. Remain Accountable."

Banking has been more than a profession for me. It has been a journey of learning, leadership, responsibility, resilience and personal growth. And that journey continues.

Purpose & Values

Living with Purpose. Acting with Responsibility. Creating Meaningful Change.

The Principles That Guide My Professional and Personal Life

Over the years, I have come to believe that purpose is not something we discover in a single moment.

It develops through our experiences, responsibilities, choices and the way we respond to the world around us.

My professional career has taught me discipline and accountability.

My family has taught me responsibility and gratitude.

My social experiences have taught me compassion.

My environmental journey has taught me that our responsibilities extend beyond ourselves and even beyond our own generation.

Together, these experiences have shaped the values by which I try to live.

01

Integrity

Doing What Is Right, Even When It Is Difficult

Integrity is fundamental to both my professional and personal life.

I believe honesty, fairness and consistency between what we say and what we do are essential to building trust.

Professional circumstances may change. Positions may change. Success and failure may come and go.

Character remains.

Integrity is what we choose when nobody is watching.

02

Responsibility

Taking Ownership of Our Choices

Every decision has consequences.

As professionals, we are responsible for the decisions we make.

As family members, we are responsible for the people who depend on us.

As citizens, we have responsibilities towards society.

And as inhabitants of this planet, we share responsibility for the environment that future generations will inherit.

I believe responsibility begins when we stop asking only, “Who should solve this?” and begin asking:

“What can I do?”

03

Compassion

Recognising the Human Being Beyond Ourselves

My experiences with orphanages, old age homes and community activities helped me understand that compassion does not always require extraordinary resources.

Sometimes it begins with listening.

Sometimes with giving time.

Sometimes with sharing what we have.

And sometimes simply with recognising that another person's difficulties matter.

Compassion transforms concern into responsibility.

04

Sustainability

Thinking Beyond Today

Our choices today influence the world that future generations will inherit.

For me, sustainability is therefore not simply an environmental term.

It is a way of thinking.

Planting and protecting trees, conserving resources, reducing waste, understanding our carbon footprint and making responsible consumption choices are all expressions of the same principle:

Live responsibly today without unnecessarily compromising tomorrow.

Environmental responsibility should not be confined to special occasions.

It should gradually become part of everyday life.

05

Knowledge

Learn. Understand. Share.

My journey as an author began with curiosity.

The more I read about environmental challenges, the more I realised how much there was to learn.

Knowledge helped me understand that many environmental problems are interconnected; climate, trees, air, water, soil, waste, biodiversity, consumption and carbon emissions.

But knowledge becomes more meaningful when it is shared.

Through books, articles, talks and environmental awareness programmes, I try to make what I learn accessible to others.

Knowledge creates awareness. Awareness can influence action.

06

Service

Giving Back as a Personal Discipline

I believe we do not have to wait until we become wealthy to begin contributing.

In 2016, I began setting aside a portion of my personal income for social causes.

As my professional career progressed, I increased this commitment.

Since 2018, I have voluntarily committed:

20% of My Monthly Salary

towards social causes.


50% of My Annual Bonus

towards social causes, with the majority of my contribution directed towards environmental activities.

This is a personal financial commitment and is separate from my professional employment.

I do not consider the percentage itself to be the most important part.

The principle behind it matters more:

Giving should become a habit, not merely an occasional response.

My Environmental Philosophy

My environmental journey has gradually developed into a simple sequence:

KNOW → CALCULATE → REDUCE → ACT → INSPIRE

KNOW

Understand environmental challenges and how our lifestyles affect the planet.

CALCULATE

Where possible, measure and understand our environmental impact.

REDUCE

Identify practical opportunities to reduce unnecessary emissions, waste and consumption.

ACT

Translate awareness into meaningful everyday choices and environmental participation.

INSPIRE

Share knowledge and encourage others to participate.

This philosophy also influenced my thinking behind the Carbon Calculator concept. I believe:

"What gets measured can be understood. What gets understood can be reduced."

What Purpose Means to Me

Purpose does not require everyone to leave their profession or completely change their life.

  • A banker can contribute.
  • A teacher can contribute.
  • A student can contribute.
  • A businessperson can contribute.
  • A homemaker can contribute.
  • A farmer can contribute.

Everyone has different abilities, resources and opportunities.

The important question is whether we choose to use some of them for something larger than ourselves.

My own journey continues to evolve.

I want to continue learning.

I want to continue writing.

I want to continue contributing to environmental awareness and action.

I want to continue contributing to Social awareness and action.

And I want to use my experience and knowledge in ways that can create meaningful value for society.

My Personal Philosophy

Earn with integrity.

Live with responsibility.

Give with compassion.

Learn continuously.

Protect nature.

Share knowledge.

Create meaningful impact.

That, for me, is a life with purpose.

Ideas • Purpose • Action • Impact
CONTINUE THE CONVERSATION

Ideas grow stronger through thoughtful dialogue.

Whether you are interested in speaking engagements, professional correspondence, or simply sharing a thought, I welcome your inquiry.