Bachelor's (Hons) in Economics and Master's in Economics, Univ. of Delhi; MBA, Clarkson Univ.; Wharton Advanced Management Program, Univ. of Pennsylvania. 1984, began career at Citi serving as Credit Officer; positions of increasing responsibility; head of audit and risk review, Capital Markets and Banking; 2002-05, Chief Financial Officer, Global Transaction Services; 2005, joined Citi's Securities and Fund Services (SFS); head of business and also acted as Chief Fiduciary Officer, Citigroup. Since Jan. 2014, President, Standard & Poor's Ratings Services.