Dr. S. Singh, presently Director at the Apeejay School of Marketing and Management, New Delhi, holds a first class Post-Graduate Degree in Commerce from Allahabad university and a Ph.D. in Economics from Jodhpur University. He taught in Allahabad and Jodhpur Universities. Besides S.P. Bankers Training College, Bombay for a decade and half before joining Punjab National Bank as Chief Manger in early 1978. There he rose to the position of General Manager in 1988 and was elevated as Executive Director by the Government of India in 1993 and posted in Allahabad Bank, where from he retired recently. He also taught at the New Delhi Institute before joining his present assignment. He has been member of several committees set up by RBI, IBA and NIBM.