MR’s expertise lies in managing operations in a large business environment, formulating business strategies and identifying new markets. An alumni of BITS Pilani, he has over 25 years of experience in Profit Centre Management, setting up distribution in Insurance, Retail Banking and Consumer Finance. Prior to BFIL, he was associated with ING Vysya Life Insurance, American Express, Standard Chartered Bank and Esanda Finanz & Leasing Limited. MR joined BFIL in October 2006 and has been at the forefront, driving its rural distribution reach and scale-up. MR shouldered the responsibility of combating the AP MFI crisis and insulating the non-AP operations from the contagion risk. He held the executive management team together.