He has a total working experience of 19 years with 17 years in banking which includes 4 1/2 years in ICICI bank and 12 1/2 years in HDFC bank, only mortgages. He did his schooling from Mothers International school, college from is to Venkateswara College,DU and part-time PGDGM from Narsee Monjee Institute of Management studies -NMIMS. He is a staunch believer of doing organic business.