Bachelor's (Hons) in Economics; Master's in Management Studies. 1971, joined ICICI: first project appraisal division; then various leadership positions in Corporate and Retail Banking, Strategy, Resources, International Banking and other areas; was instrumental in transforming ICICI Bank from a primarily term lending institution into a technology-led diversified financial services group; until 2006, Joint Managing Director and Member of the Board, ICICI Bank, responsible for setting up the international business; currently, Chairperson, ICICI Venture Funds Management Company. Member of the Board: Alstom; Bharat Forge; Kirloskar Brothers; Swadhaar FinServe; Godrej Properties. Member, CAPP Board, RAND. Recipient of numerous awards and honours.