He holds a bachelor’s degree in commerce (Honors in accounting) and a master’s degree in business administration, both from Punjabi University, Patiala. He has over 34 years of experience in various fields largely in retail finance sector.

Prior to joining BHFL, he handled Risk, Debt management and Rural businesses in Bajaj Finance Limited at various points of time.

He does not hold any directorships or full-time positions in any other body corporate.