He is a business Leader with 20 years of wide-ranging  experience panning emerging & developed markets in Retail Financial Services/Consumer lending space  excelling in business strategy based on a  robust distribution/product model with objective analytics , strong people management skills & granular cost optimization with strong experience in both de-novo businesses  &  turnarounds ,restructuring & identifying opportunities ,acquisitions & divestitures. Have a strong experience in dealing with regulators & getting buying from management. During his stint in Africa, he has gained hands on experience of microfinance especially in the rural areas. He worked as a Managing Director & CEO-Global Retail Financial Services, United Bank Of Africa Plc. , Nigeria; CEO (Retail & Private Banking) –The Bank of Kuwait &  Middle East ,Kuwait; Business Director- Centralized Lending & Business Development (CitiFinancial-UK & Republic of Ireland) and Chief Operating Officer(COO), CitiFinancial India .