Mr. Joseph Conrad D’Souza holds a Master’s Degree in Commerce and a Diploma in Financial Management from the University of Mumbai and a Master’s Degree in Business Administration from South Gujarat University. He is also a graduate of the Senior Executive Programme from the London Business School. He had been associated with Housing Development Finance Corporation Limited (HDFC), as a member of their Executive Management & Chief Investor Relations Officer, where he was primarily involved with corporate planning and budgeting, corporate finance and investor relations. He was also the Treasurer of HDFC. He has over four decades of experience in the financial services industry and has been a consultant in mortgage finance to multilateral institutions in Asia, Africa and Eastern Europe.