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 has been associated with HDFC Limited since 1984, where his responsibilities include corporate planning and budgeting, corporate finance and investor relations. He is currently a member of executive management and is Chief Investor Relations Officer. He is also Senior Independent Director on the Board of Nations Trust Bank PLC, Sri Lanka.