Ms. Skryabina is the Group Company Secretary & Compliance Executive for Samena Capital Investments Limited Dubai.
Prior to joining Samena Capital, Ms. Skryabina worked as Operations Manager for Business Exchange Bureau in Dubai. The role included office management, business operations and customer relationship management. Before this, she worked within the DIFC for Palma Capital Limited, as Office Manager, Compliance Coordinator and Company Secretary. Ms. Skryabina undertook this role for just over ten years from 2009, contributing to the Compliance and Administration team. Ms. Skryabina has also worked with Deloitte & Touche Middle East at the beginning of her career as an HR Officer. In this role she provided a range of HR services for the Enterprise Risk Services practice to over 180 employees across the Middle East including the UAE, Bahrain, Jordan, Kuwait, Lebanon, Qatar and Saudi Arabia.
Ms. Skryabina holds a Bachelor of Laws (LLB), from The International University of Economics & Law - Moscow, Russian Federation.
Mr. Birla is an Associate at SC India Manager Private Limited.
Prior to joining Samena Capital, Mr. Jain has 5 years of professional experience across Sell Side Advisory, Restructuring of Distressed Assets and Management Consulting at companies such as Ernst Young, Boston Consulting Group and Kalyani & Associates. He started his career as a lawyer practicing in Insolvency and Bankruptcy Law.
Mr. Jain holds a Bachelor of Engineering in Electronics and Communication from the University of Delhi, a Law Degree from the Chaudhary Charan Singh University, Meerut and a MBA in Finance and Economics from IIM Lucknow. He is also a CFA charter holder.
Mr. Birla is an Associate at SC India Manager Private Limited.
Prior to joining Samena Capital, Mr. Birla worked at the wholesale financing arm of Adani Capital Private Limited (an NBFC) for over two and a half years since February 2017. During his tenure at Adani Capital, he worked on structured finance transactions across diverse sectors. Mr. Birla started his career with JP Morgan in April 2015 as a Credit Analyst working in the Natural Resources Sector (oil & gas, metals, commodities, etc.).
Mr. Birla holds a Bachelor degree in Engineering, specializing in Electronics & Telecommunication from the University of Mumbai, and a MBA in Finance, from the Symbiosis Centre for Management and Human Resource Development at Pune, India.
Mr. Kumar is a Senior Associate at Samena Capital Investments Limited in Dubai, focusing on investments within the Special Situations Funds.
Prior to joining Samena Capital, Mr. Kumar was an Associate with the Investment team at Paragon Partners in Mumbai for nearly three years where he invested in mid-market businesses across consumer, financial services and industrial sectors actively managing portfolio post investment value creation activities. Before Paragon, between May 2014 and December 2015, he was an Associate with the Research team at Jefferies Investment Bank where his focus was equity stocks across automotive, consumer and macro strategies covering across sectors of all major listed companies. Mr. Kumar started his career in July 2014 with Citibank India where he worked as a Management Associate within their Corporate and Investment Banking team covering leading companies in the healthcare sector.
Mr. Kumar holds a MBA from the Indian Institute of Management Calcutta and a Bachelor Degree in Electronic and Electrical Communication Engineering from the Indian Institute of Technology Kharagpur.
Ms. Wall is an Executive Assistant for Samena Capital Investments Limited Dubai.
Prior to joining Samena Capital, Ms. Wall worked as Private Secretary to Her Majesty’s Trade Commissioner for the Middle East based in the British Embassy in Dubai. She undertook this role for just under two years from late 2018, contributing in a small office and helping to drive the UK’s Trade and Investment ambitions of boosting export growth, 2-way investments and opening up markets across the region. The role included event management in the region and the UK, stakeholder management, client presentations, secretariat duties and day-to-day office management. Before this, she worked within the Private Office at the Department for Education and Home Office in the UK. Ms. Wall started her career in Santander Customer Services in 2015 before joining the UK Government in 2016.
Ms. Wall is from Bury Saint Edmunds, Suffolk, UK and she enjoys travelling and skiing, particularly in France and Switzerland.
Ms. Shenoy is a Senior Associate at Samena Capital Investments Limited Dubai, focusing on investments within the Special Situations Funds.
Prior to joining Samena Capital, Ms. Shenoy was a Principal in the Deal Advisory practice at KPMG in the Cayman Islands. During her tenure at KPMG, she acted as the financial consultant to the Cayman Islands Government on several large infrastructure projects. Ashita has extensive experience in valuations of private equity and direct lending assets. Sector coverage includes infrastructure, pharmaceuticals, aviation, financial services and technology. Before KPMG, she was an account manager with HSBC Bank (Cayman) Limited specializing in the management of captive insurance companies and catastrophe bonds.
Ms. Shenoy is a Chartered Financial Analyst and a member of the Institute of Chartered Accountants of India.
Ms. Sandhu is Vice President within the Investor Relations team at Samena Capital Investments Limited in Dubai.
Prior to joining Samena Capital, she worked as a Senior Associate at Al Masah Capital, where she was responsible for business development initiatives focusing on institutional and private investors. Previously, Ms. Sandhu worked for two companies in the UK, International Business Development Group and InvestGlobal Consulting Limited, where she specialized in investor engagement, client relationship management, intelligent research and business development.
Ms. Sandhu holds a Bachelor’s degree in Geography from King’s College London in the United Kingdom.
Mr. Mirza is the IT Desktop Engineer for Samena Capital, based in Dubai.
Prior to joining Samena Capital, he spent 5 years working in various IT support functions for several companies including Clarins Group, Oman Post and Crowe Horwath in UAE and Oman.
Mr. Mirza is a Certified Microsoft System Engineer and a Certified Cisco System Associate. He holds a Bachelor of Information Technology in Computer Science & Engineering from Jawaharlal Nehru Technology University Hyderabad, India.
Mr. Rowlandsis a member of the Audit & Compliance Committee of Samena Capital.
Mr. Rowlands has extensive experience in private equity in Europe and Asia and has served on multiple public and private company boards. He is currently a Board Member and member of the Transaction Committee at USS Investment Management ltd.br />
Before retiring in March 2009, he spent 19 years at 3i Capital where he held numerous positions, notably he was a member of 3i’s Executive Committee, Group Investment Committee and Chairman of 3i Asia. Mr. Rowlands led 3i’s growth capital business and developed the group in Asia where he raised a US$1.25bn Infrastructure Fund for India.
Mr. Rowlands also served as Chairman of the Audit and Remuneration Committee and Board Member at Dubai International Capital L.L.C.. He was Chairman of the Board of Directors of Doncasters Group Limited and Mauser Group (2012-2017), a Board Member and Chairman of the Investment Committee at Finance Wales (2010-2014), Deputy Chairman of The Principality Building Society (2009-2012), Board Member of 3i Group Pension Board of Trustees (2010-2012) and Board Member of Hermes GPE LLP.
In 2009, Mr. Rowlands led “The Rowlands Review” of UK SMEs’ (small and medium enterprises) access to equity funding. The Rowlands Review was commissioned by the HM Treasury, and led to the creation of The Business Growth Fund with £2.5 billion of committed funding.
Mr. Rowlands started his career at Barclays Bank in 1973, within their Management Development Programme. He then served at Arthur Andersen LLP as a Partner, where he developed the European Corporate Finance business.
Mr. Hasan is a Co-Founder, Chief Operating Officer, Director, member of the Executive Committee and member of the Compensation Committee of Samena Capital. He is also the Senior Executive Officer of Samena Capital Investments Limited in Dubai.
He is a member of the Board of Directors and Executive Committee of RAK Logistics and a member of the Investment Committee of the Samena Special Situations Funds.
He has 27 years of financial investment experience with a particular focus on Japan, Korea and Taiwan. Prior to establishing Samena Capital, he founded Invicta Investment Management, a boutique Japanese equities hedge fund. Prior to setting up Invicta, he was the Japanese portfolio manager at Hermes Pension Fund (London) managing in excess of US$1 billion. Prior to this he spent 4½ years at Orbis (a US$19 billion hedge fund) as head of Japanese equities research.
He is a Chartered Accountant (England and Wales) and a Chartered Financial Analyst (AIMR). Mr. Hasan was educated at Eton College and has a BSc degree in Monetary Economics from the London School of Economics.
Ms. Ashford is the Director of Compliance & Group Compliance Officer for Samena Capital Investments Limited in Dubai.
Prior to joining Samena Capital, Ms. Ashford worked with Total Solutions Middle East for over three years as an outsourced Compliance Officer and Money Laundering Reporting Officer for financial institutions in the DIFC, Dubai. Prior to that, she worked at Spencer Ogden’s In-House Legal & Compliance team as a Legal Advisor. Ms. Ashford started her career with Deloitte Australia as part of the Tax and Compliance team. She later went on to complete a Law graduate scheme with Schurgott Noolan Lawyers, a specialist firm consulting for the Australian Tax Office. Ms. Ashford has diverse experience in compliance related matters, anti-money laundering, sanctions monitoring, authorisation and incorporation of financial institutions within the DIFC.
Ms. Ashford was admitted to the Australian Bar in 2014 as a qualified lawyer and holds a Bachelor of Law LLB from the University of Queensland.
Mrs Nayak is an Executive Assistant for Samena Capital India Advisors Private Limited.
Prior to joining Samena Capital, Mrs Nayak worked as an Administrative Assistant at Solomon & Co. for over four years where she was responsible for providing full administrative support. Before that she worked for Taj President as a Credit Officer for nearly two years in credit card operations and customer services. In her earlier career, she also worked for the Standard Chartered Bank as an Executive Finance Assistant responsible for credit and billing management.
Mrs Nayak holds a Bachelor of Commerce degree from the University of Mumbai.
Mr Shaik is a Group IT Manager for Samena Capital, based in Dubai.
Prior to joining Samena Capital, he has spent 7 years working in the IT solutions industry, more specifically in the IT systems design & solution sector. He has worked for several companies such as Mobile Land Systems and SafeCage Armour Works in the UAE where he has gained in depth experience in IT Infrastructure, Communication and Network management, System Operations, Service Management, Budgeting, Business Continuity Planning and Disaster Recovery.
Mr. Shaik is a Certified Microsoft Professional. He holds a Bachelor of Technology in Computer Science & Engineering from JNTU, India.
Mr. Warrier is a Senior Vice President of SC India Manager Private Limited.
Prior to joining Samena Capital, Mr. Warrier was a Partner with Catalytic Management Advisers Private Limited. He has c. 20 years of work experience in structured finance and investment banking having worked with Motilal Oswal, GE Capital Services, Rabo India Finance and CRISIL. Mr. Warrier has extensive experience in structuring and syndicating acquisition finance, project finance, asset based financing, securitisation, equity linked solutions and plain vanilla term loans & working capital facilities. He also has deal experience in providing debt solutions for cross-border acquisitions. He has worked across several sectors including FMCG, energy services, telecom, publication, engineering & services and telecom operators in India.
Mr. Warrier holds an engineering degree from the Indian Institute of Technology, New Delhi and a Post Graduate Diploma in Management from the Indian Institute of Management, Ahmedabad.
Mr. Bhargava is a Managing Director and Chief Investment Officer of SC India Manager Private Limited.
Prior to joining Samena Capital, Mr. Bhargava was a Managing Director and Co-Founder of Catalytic Management Advisers Private Limited. He has over 15 years of experience in principal investing and trading in India specifically and in the Asia Pacific region. Most recently, he was heading the credit trading and investing desk in India and the special situations & illiquid investments desk in Asia Pacific region (Ex-Japan) at Goldman Sachs, Hong Kong, where he worked for c. 8 years. Prior to this, he worked with the Principal Credit Group of Merrill Lynch and of D.B. Zwirn & Co, a global special situations hedge fund focused on investing in India and South East Asia. He has also worked with GE Capital, India, in their structured finance business and at Maven International, a venture capital firm based in Hong Kong. He started his career as a corporate finance investment banker with ANZ Investment Bank in Mumbai and London. Subsequently, he joined ABN AMRO in Hong Kong where he was part of the M&A team focusing on the telecoms, media and technology sectors.
Mr. Bhargava holds a Bachelor’s degree in Chemical Engineering with honours from the Indian Institute of Technology, Roorkee and a MBA from the Indian Institute of Management, Ahmedabad.
Ms. McMahon is the Office Manager of Samena Capital Investments Ltd in Dubai.
Prior to joining Samena Capital, Ms. McMahon was an administrative assistant for Hays Recruitment at their Dubai office. She has also worked for several renowned international cosmetic brands including L’Oreal and Estee Lauder and other high end retail boutiques in Dublin and Dubai in various administrative positions.
Ms. McMahon is currently pursuing a diploma in Human Resource Management from the Chartered Institute of Personnel and Development. She is originally from Ireland and was educated there prior to settling in Dubai.
Mr. Chan is a Director and a member of the Executive Committee of the Audit & Compliance Committee of Samena Capital and a Senior Managing Director of Samena Capital Hong Kong Limited. He is also a member of the Investment Committee of the Samena Special Situations Funds.
Prior to this, he was the Founding CEO for eight years of Spring Capital, an independent private equity firm that invests exclusively in China. Mr. Chan has 26 years of experience in private equity, and has made over 50 investments in growth companies in China.
Previously he was a Managing Director, Head of North Asia and an Investment Committee Member of JAFCO Asia. Prior to JAFCO, Mr. Chan held positions with Suez Asia and HSBC Private Equity (Asia) in Hong Kong. He is currently the Co-President of the Hong Kong Venture Capital and Private Equity Association, a Board Member of the Hong Kong Foundation for the University of Manchester, a Director of the Manchester Business School Leadership Board, a Board Member of the HKU School of Professional and Continuing Education, and the Chair of YPO Gold Pearl River Delta Chapter.
Mr. Chan is a Member of Chengdu Chinese People’s Political Consultative Conference. Mr. Chan was named as one of the “China Best Venture Capitalists: Midas List” by Forbes Magazine in 2006 - 2015. He was selected as Number 9 Forbes China ranking of Best Venture Capital Investors in 2015. Mr. Chan was a member of the Main Board and GEM Listing Committee of Hong Kong Stock Exchange (2007-12).
Mr. Chan is a Chartered Financial Analyst (AIMR), he holds a BA from the University of Hong Kong, and a MBA from Manchester Business School.
Mr YEH is the Non Executive Chairman and one of the Founding Shareholders of Samena Capital. He is also a member of the group's Compensation Committee.
Mr YEH is also the Co-Founder and Honorary Chairman of Value Partners Limited, one of Asia’s largest hedge funds with AUM in excess of US$10 billion and is listed on the Hong Kong Stock Exchange.
He is also the Chairman of Cheetah Investment Management and a Co-Founder and Chairman of Argyle Street Management Limited. Mr YEH also sits on the Executive Committee of his family office, Hsin Chong International Holdings Limited. Mr YEH was a member of the Executive Council of the Hong Kong Government, a member of ICAC Complaints Committee; a member of Disaster Relief Fund Advisory Committee; a member of the Committee on Strategic Enhancement of Hong Kong as an International Finance Centre; a member of the Takeovers and Mergers Panel of the Securities & Futures Commission, a member of the MPF Schemes Advisory Committee, and a member of Ad-Hoc Investment Committee for UGC.
He was also a council member of the Hong Kong Stock Exchange until its merger with the Hong Kong Futures Exchange; a member of the Stock Exchange’s listing committee; a member of the HK Exchange & Clearing Corporation, Derivatives Market Consultative Panel; a member of the Securities & Futures Commission, Dual Filing Advisory Group and Shareholder Group; and a member of the Listing Committee of the China Securities Regulatory Commission (“CSRC”).
Mr YEH is currently a Board member of the Columbia University Endowment, USA and the Board of Trustees of Milton Academy, Massachusetts, USA.
Mr YEH is a graduate of Williams College and also holds a Juris Doctor degree from Columbia University’s School of Law. He is a member of the California Bar Association and was a Harlan Fiske Stone Scholar during his time at Columbia University.
Mr Saraf is the Founder and Executive Vice Chairman of Samena Capital. He oversees all investment and divestment decisions made at Samena Capital, as well as its strategic direction. Mr. Saraf founded Samena Capital in 2008 as a unique principal investing firm to collectively invest with highly pedigreed families from the Asian, Indian and Middle-Eastern regions, to create the new ‘Asia Inc.’. He remains the Investment Manager and Director of the Samena Special Situations Funds and Samena Limestone Holdings.
Mr. Saraf holds numerous directorship and leadership positions across Samena’s portfolio companies. In March 2018, Mr. Saraf joined the Board of Softlogic Holdings, one of the largest conglomerates in Sri Lanka with leading businesses in healthcare, financial services and retail. In November 2016, Mr. Saraf was appointed to the Board of Directors of Dynamatic Technologies Limited, a global business which designs and builds highly engineered products for Automotive, Aeronautic, Hydraulic and Security applications. Since August 2016, Mr. Saraf is on the Board of Directors of Tejas Networks, an India-based optical and data networking products business with clients in over 60 countries. In June 2014, Mr. Saraf led the acquisition of a significant stake in RAK Ceramics PSC, a company listed on the Abu Dhabi Securities Exchange and one of the world’s largest ceramics manufacturers with annual revenues of approximately US$1 billion. He is currently the Vice Chairman of its Board of Directors and Chairman of its Executive Committee. Since September 2014, Mr. Saraf has been on the Board of Directors of RAK Logistics (previously Alliance Global Logistics), a cross-regional platform for an integrated, ASEAN-headquartered logistics company. He has previously held numerous directorships including Aramex Holdings, Commercial Bank of Oman SAOG, EFG Hermes and Amwal Capital (Qatar).
Prior to founding Samena Capital, he was a Managing Director of Abraaj Capital. During his tenure (2002-2007) at Abraaj Capital, he was involved in several landmark private equity and block purchase transactions such as the buyout of Aramex, EFG Hermes, Egyptian Fertilizer Company, Arabtec, ONIC, SAOG Oman, Amwal Capital (Qatar) and he also pioneered and managed the special situations funds.
In 1998, Mr. Saraf founded Oriel Investment Company, which emerged as one of the leading regional corporate finance firms. While at Oriel Investment Company, he became one of the largest founding shareholders of US-based E-Ink Corporation, the world's leading developer and provider of electronic paper and displays.
Mr Saraf is actively involved with the ‘Little Dreams Foundation’, a not-for-profit initiative with Phil and Orianne Collins and is a Director on the Board. In 2015, he founded the ‘Shirish Saraf Scholarship’ at Charterhouse House School, providing an education for underprivileged children with all around excellence. In 2016, Mr. Saraf established the Samena Foundation, an initiative set up to facilitate global charitable and benevolent causes.
Mr Saraf was educated at Charterhouse (England) and the London School of Economics.
Mr Fancy is a Director of Samena Capital and Samena Capital Investments Limited. He is the Chairman of the Executive Committee and a member of the Compensation Committee.
Mr Fancy is the Chairman & Founder of Renaissance Services SAOG, a leading Oman oil and gas company. Renaissance Services SAOG was the first family business to go public in the Middle East in the mid 1990s.
Mr Fancy is also Chairman of Tawoos LLC, a leading Omani family conglomerate with interests in various fields including agriculture, education, training, medical and pharmaceutical, oil and petrochemical, media services, leisure and entertainment, industrial catering, operations and maintenance, computer hardware, software and communications, energy and marine and shipping. Mr Fancy was previously a Director of National Bank of Oman and Muscat Finance Co. He is a Founder of United Power (Oman’s first IPP) and is actively involved in charitable work including the setting up of a microfinance bank in Oman and support of an Early Intervention Centre for children.
In 2007 he was nominated for Ernst & Young’s Middle East Entrepreneur of the Year award.
Sheikh Nawaf Nasser Bin Khalid Al Thani is a Director of Samena Capital.
He is the Chairman & Chief Executive Officer of Nasser Bin Khaled Holding, a leading Qatari business conglomerate focusing on construction, industrial services, oil and gas, telecommunications, civil engineering, agriculture, real estate, fashion and automotive sectors.
He is the Founder and Chairman of Doha Insurance and is on the consulting management board of Deutsche Bank.
He holds a number of directorships including Qatar Navigation, Al Salam International, Arabtec (UAE), Abraaj Capital and the Qatari Businessmen Association.
Mr Gore-Randall is a Director of Samena Capital and Samena Capital Investments Limited. He is a member of the Executive Committee, the Chairman of the Audit & Compliance Committee and Chairman of the Compensation Committee.
Mr Gore-Randall has extensive experience at a senior level in large private and publicly-held international organizations. He is Chairman of three private equity backed businesses: Forensic Risk Alliance, which provides multi-jurisdictional expertise in financial and electronic forensics all around the world, Fircroft, a leading global provider of technical recruitment services to some of the world’s largest companies and Equiom a multinational trust and fiduciary business headquartered in the Isle of Man. He is also Chairman of the Executive Committee of RAK Logistics.
In the Middle East he is on the Board of Directors and Audit Chair of Topaz Engineering and Marine, a leading provider of offshore vessels and service to the oil and gas industry. He is also an advisor to RAK Ceramics and RAK Economic Zone. His previous non-executive roles include Chairman of ERM Group Holdings Ltd., one of the world’s largest international environmental consulting firms (private equity backed); Director of esure Ltd., a U.K. motor insurer; an independent member of the International Executive of Lovells (now Hogan Lovells) the international law firm; a member of the Advisory Council of The Prince’s Trust and a council member of the Confederation of British Industry.
In 2007, Mr Gore-Randall joined the Board of HBOS plc as Chief Operating Officer when it was one of the five major U.K.-based international retail banks, and served in that role until it was acquired by Lloyds Banking Group in 2009. He was also the HBOS integration director leading up to, and after, the acquisition. Previously, he was Chief Operating Officer of Aon UK Ltd., following two years as Chairman and Chief Executive of its Aon Risk Services division.
Mr Gore-Randall spent the first 25 years of his career at Andersen. Besides several managing partner roles, he was elected U.K. Managing Partner in 1997, having previously run the European Assurance and Advisory practice. In 2001, he became Managing Partner and Chief Operating Officer for the worldwide practice, and the following year, he co-led the worldwide dissolution of Andersen.
Mr Gore-Randall has a Master’s degree in Geography from University College, Oxford and is a Chartered Accountant.
Mr. Gupta is a Managing Director of Samena Capital Investments Limited in Dubai, focussing on investments within the Special Situation Funds.
Mr. Gupta is a member of the Board of Directors of U-Gro Capital Limited (India), Bloom Hotels (IHPL, India), RAK Logistics (Singapore) and Softlogic Holdings Limited (Sri Lanka). Mr. Gupta is also a member of the Investment Committee of the Special Situations Funds. Prior to joining Samena Capital, Mr. Gupta was an equity research analyst at Tricolour India Funds and previously was a part of the General Atlantic Financial Management Leadership Program.
Mr. Gupta is a Chartered Financial Analyst (AIMR), Chartered Alternative Investment Analyst and holds a Masters in Management (Finance) from the University of Mumbai.
Mr Moukahhal is a Managing Director of Samena Capital Investments Limited in Dubai, focusing on investments within the Special Situations Funds. He focuses on sourcing, execution and portfolio management for transactions in the MENA region.
He is a member of the Board of Directors and Executive Committee of RAK Ceramics PSC and its subsidiaries in Bangladesh, India and RAK Porcelain. Mr Moukahhal is also a Member of the Board of Directors of Anghami and a member of the Investment Committee of the Samena Special Situations Funds.
He previously worked at EFG-Hermes in Dubai where he was a Vice President in the Private Equity and Infrastructure investments team. Prior to EFG, he worked in the Private Equity Group for The National Investor (TNI) in the UAE.
Mr Moukahhal holds a MBA from the Wharton School at the University of Pennsylvania and a Bachelor’s degree in Economics & Finance from McGill University.
Mr Harding is the Group Finance & Operations Director of Samena Capital and the registered Finance Officer for Samena Capital Investments Limited in Dubai.
Prior to joining Samena Capital he spent three years with KPMG Cayman Islands, and three years in Ernst & Young Isle of Man, in their Alternative Investment Practices, where he was involved in the audits of multi-billion dollar investment structures. Mr Harding also obtained forensic accounting experience when working with KPMG Cayman Islands relating to billion dollar fraud litigations, and when seconded to Ernst & Young Dublin, where he worked with the Irish National Asset Management Agency.
Mr Harding graduated with a Bachelor’s degree in Accounting and Finance. Mr Harding is a Chartered Accountant (ICAEW) and a Certified Public Accountant (AICPA).
Mrs Ahmed is a Senior Group Finance & Operations Manager for Samena Capital Investments Limited in Dubai.
Prior to joining Samena Capital she spent 6 years with The Royal Bank of Scotland Group Plc in Mumbai as a Senior Executive in their Global Finance Services Function.
She is a Chartered Accountant from The Institute of Chartered Accountants of India and completed her accountancy training with D.R. Mehta & Associates. Mrs Ahmed is a Certified Associate of the Indian Institute of Banking and Finance and has a Bachelor’s degree in Commerce from Mumbai University.