Shyam R. Phatak, is a B.Com. (Hons.) Graduate of Pune University and the Recipient of the R. D. Joshi Prize for topping the University in his Elective subject. He is a Certified Associate of the Indian Institute of Bankers (CAIIB) and was working as a Senior Manager in a leading nationalized Bank prior to his retirement. He has over 30 years of Banking experience.