I invested in my first stock in 1986 at age 18 after passing out of school by borrowing Rs 1000 from my parents. I was always fascinated by stocks and over the years have been able to create a large portfolio of investments in stocks and mutual funds for my family and myself which helped me retire early at age 50.

In 1995 I embarked on my career in financial services into financing of consumer asset products like Car Loans, Personal Loans, Two Wheeler Loans and Consumer Durable Loans in Delhi.

Over the years I worked for Banks like Centurion Bank, HDFC Bank, Citibank handling consumer loans business as a credit manager. In Citi I became the Head of Credit for North India, managing a large portfolio of Personal Loans, Consumer Durable and Two Wheeler Loans.

It was in 2008 I got the opportunity with a UAE bank namely First Gulf Bank (now First Abu Dhabi Bank) to head the credit underwriting function for expat loans business namely Home Loans, Car Loans, Credit Cards and Personal Loans.