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He has retired from the Reserve Bank of India as Executive Director in charge of regulation of banks and non-banking financial companies. In a career spanning over 36 years with the Reserve Bank, he worked in a number of areas, including banking regulation, bank supervision, fintech regulation, human resources, information technology, and currency management.

He has been on a number of major national and international committees; he has served as the Reserve Bank’s nominee on the Supervision and Implementation Group and the Policy Development Group of the Basel Committee on Banking Supervision, and was a member of the Committees which drafted and subsequently reviewed India’s Insolvency and Bankruptcy Code. He has also chaired the Inter-Regulatory Working Group on Fintech and the Working Group on Implementation of Ind AS by Banks, constituted by the Reserve Bank of India. He holds a Master’s degree in Mathematics from Delhi University and an MBA in International Banking and Finance from the University of Birmingham, UK.