1982, BA, Jaihind College, Mumbai; MBA and studies in Cost Accountancy; Master's in Management Studies, Jamnalal Bajaj Institute of Management Studies. 1984, joined ICICI; 1993, helped set up ICICI Bank; 1996, in charge of Infrastructure Industry Group, ICICI; 1998, General Manager and Head, Major Clients Group; 1999, in charge of strategy and ecommerce; 2000, Head, Retail Finance Division; 2001, Executive Director, ICICI Bank; 2006, Deputy Managing Director; 2006-07, handled International and Corporate businesses; 2007, Joint Managing Director and CFO; since 2009, Managing Director and CEO. Recipient of numerous honours and awards, including: Padma Bhushan, one of India's highest civilian honours (2011); featured in ‘The World’s 100 Most Powerful Women’ list by Forbes International for seven consecutive years and the ‘Most Powerful Women in Business’ list by Fortune India for five consecutive years. Named one of TIME magazine’s 100 Most Influential People in the world.