Over 35 years of rich experience in Marketing, Operations, Customer Services and Administration in the Banking sector. He is a Qualified Company Secretary from Institute of Company Secretaries of India in 1989 also holds CAIIB from Indian Institute of Bankers in 1981 and LL.B. from Delhi University in 1982. Rich work experience at Sber Bank of Russia, Mashreq Bank, Deutsche Bank and Syndicate Bank.