He is an economist and has been an alumnus of Indian Institute of Science, Bangalore. He has rich and varied experience in banking, finance and management, and has occupied senior-level positions for three decades. A keen communicator and a regular resource person at the Staff Training Centres and in-house Executive Development Programmes, he has been closely associated with preparing varied study material and publication of booklets. He was the first Chief Economist at the Indian Banks' Association, Mumbai and also the Chief Executive of Canbank Mutual Fund, Mumbai. In recent years, he has been active as Chairman/Member of the Interview Committees of several public sector banks for both recruitment and promotion.