Graduate in Economics, University of Delhi. Over 23 years' experience in financial markets. Formerly: Chartered Accountant, PriceWaterhouse; treasury positions in Asia for Standard Chartered, Hewlett Packard and IBM; Regional Treasurer, Asia, Citigroup, Singapore; 2006, Managing Director, Global Commercial Products, Barclays Commercial Bank, responsible for cash, trade, debt, foreign exchange and derivative product revenue, and global transaction sales revenue; currently, responsible for Barclays retail and commercial banking businesses across 10 countries.