Born on March 16, 1968 in Thrissur District, Kerala.

A lawyer by training, he holds Post Graduate degrees both in law (Kakatiya University) and Economics (University of Mumbai). Practiced as an advocate in Kerala for a few years before joining the Oriental Bank of Commerce as a Law Officer. In the year 1995, shifted to the Reserve Bank of India at Mumbai as Legal Officer. Since then, worked in different capacities as Assistant Legal Adviser, Deputy Legal Adviser and Joint Legal Adviser. In the year 2014, promoted as Legal Adviser. At different points of time, advised the Reserve Bank of India on legal matters relating to regulation and supervision of commercial banks, RRBs, co-operative banks and NBFCs, foreign exchange management, financial markets, currency management, right to information and payment and settlement systems, and handled the litigation pertaining thereto.

He was associated with the work of a number of committees and groups dealing with legislations in financial sector. A few articles were published in the RBI Legal News & Views. He has a good deal of experience in legislative drafting - both primary and subordinate legislation.