A veteran who has more than 39 years of experience in the Banking sector, brings valuable guidance in his sphere of knowledge. He is a Gold Medalist in B.Sc (Agri) and has also pursued M.A. in Gandhian Thought and Social Science from Gujarat Vidhyapith. He was associated with UCO Bank and served as General Manager handling Operations, Planning & Development, Credit Monitoring, Risk Management and Stressed Assets Management. He has also held the position of Chairman of Regional Rural Bank. He has also served as a National Coordinator for Indian School of Micro Finance for Women and Master Trainer for Financial Inclusion with Indian Institute of Banking and Finance (IIFB), Mumbai.