Malay has a long career in Banking and Financial Markets. He spent 8 years in Citi Private Bank in senior roles as Head of Investment Products for EMEA, APAC and as Global Head of Investment Product Management. While in these roles, Citi Private Bank won numerous accolades and Assets Under Management grew double-digit year on year. Prior to this, Malay was Head of Fixed Income, Currencies and Commodities for Citibank Malaysia from 2005 to 2007, when Citi was top-ranked by Euromoney. He was Head of FX and Derivative sales for Citi India from 2001-2004, when Citi was consistently ranked number 1 FX house and built a market share in excess of 15%. Most recently he was in an entrepreneurial role as Director - Investment Banking, Delamore and Owl Group and provided financial and strategic solutions to family businesses. A firm believer in financial inclusion and impact investing, he devotes significant time to a number of startups and businesses. Malay is a Fellow of the Institute of Chartered Accountants of India.