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

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.

The whole thing of moving the currency through currency sorting and detection machines and so on that was the whole process actually encouraging electronic transactions.

We have to always set an aspiration for ourselves and then strive to get there.

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.

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.