It is important always to make full use of opportunities that come your way, and at the same time, it is important to not just cope with the challenges but try and convert each challenge into an opportunity.

Life comprises of both: opportunities as well as challenges.

I learnt to always keep my mind open to new ideas and looked at each new assignment as an opportunity to learn and prove myself.

The biggest challenge for me, for all of us, was that the consumer-credit market was very, very new for India and for ICICI. I was trying to create something that was not just new for me but absolutely unknown to the organization and the country as a whole.

I think we have to pick up some sectors where we can make India the global hub in the entire value chain, and the most important sector to pick up should be electronics.

Whenever there is a challenge, the key is not to get consumed by the challenge but actually to learn from it.