He is a graduate in Chemistry from Madras University in the year 1975. Started his career with Indian Railways and moved to SBI in the year 1979, serving SBI in the Retail, Trade finance and Corporate banking areas and gaining a rich experience of hard core Banking.
With 15 years of Branch banking and Corporate experience, he joined ICICI Bank in April 1994 as a Manager in the very first branch at Chennai. Thereafter, he has been moving ahead, setting up branch-by-branch, operations and processes across ICICI Bank in various areas of operations. He was instrumental in setting up and customizing the core banking software Finacle with Infosys.
The Bank's project of "Centralised Operations" was spearheaded by him in the year 2000 and he was instrumental in setting up the Regional Processing Centre for servicing the retail branches.
In 2003-04, he was heading Consumer Loans Operations, taking care of the Loan customer servicing.
In 2005, he was heading Phone Banking. A 2500 member strong workforce stationed at 3 centers servicing the 25 million customers of the bank as a whole.
In 2006, he was head of Retail Asset Operations Group taking care of the card operations and loan operations.
In his current profile, he is Head of Global Operations Group, comprising the International Operations, Retail Operations, Corporate Operations, Agri & Rural Operations.