The word 'Intrapreneur' best describes his professional career of 25+ years across various sectors. Ajay has been conceiving, creating, and nurturing unique initiatives within big organizations. He was able to achieve great success with most of these initiatives by leveraging my biggest asset, 'Relationship Capital'. The overarching approach that he has adopted in his banking career is "Frugal Innovations for Financial Inclusion (FI4FI)", wherein Ajay leveraged the pre-existing outreach of external partners to provide financial services to underbanked sections through a Win-Win-Win model.