His father was a doctor who served the Indian Army during World War II and set up a number of government hospitals in the poor coal mining areas near Dhanbad.
He returned to India in 1985 to rejoin Citibank and was part of the management team which launched retail banking in 1985.
In 2013, Ujjivan obtained registration with the Reserve Bank of India (RBI) as a non-banking financial company - microfinance institution (NBFC-MFI).
[4] From February 1, 2017, he held the position of MD & CEO at Ujjivan Small Finance Bank until his retirement on November 30, 2019.
[12] Since April 2020, he has been a CSI Partner at the Nudge Centre for Social Innovation, and as a Non-Executive Director at Parinaam Foundation since September 2020.