1977, Bachelor's (Hons) in Economics, Univ. of Delhi; 1980, MBA, Rutgers Univ., New Jersey, US. Formerly: 1980-95, with Bank of America, headed Wholesale Banking; 1996-98, General Manager and Country Head, ANZ Grindlays' Investment Bank; 1998-2003, entrepreneur, built Rabo India Finance (RIF); CEO, MD and main Managing Partner, RIF. Founder, MD and CEO, YES BANK. Honorary Consul for Cyprus, Mumbai/Maharashtra state. President (elect), ASSOCHAM. Former Deputy Chairman, Indian Banks' Association. Member, including: Board of Trade, Gov. of India; Board of Governors, Indian Institute of Corporate Affairs, Ministry of Corporate Affairs. Recipient of awards.