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Dr. Manisha Jain Kulshreshtha, PhD, serves as the Director of Financial Products at Kristal.AI and holds the position of State President for the Maharashtra Capital Markets Council at the Women’s Indian Chamber of Commerce and Industry (WICCI). With extensive experience in academia, Dr. Kulshreshtha is also a Professor of Finance at MKES IMSR and a Visiting Faculty member at the Center for Investment Education and Learning (CIEL). Previously, Dr. Kulshreshtha worked as a Retirement Planner at the Pension Fund Regulatory and Development Authority (PFRDA). Dr. Kulshreshtha earned a PhD in Management from the Institute of Management Technology, Ghaziabad, and an MBA in Finance and Marketing from Amity University.