Vivek Joshi, Secretary, Department of Financial Services: In 1989, he joined the Indian Administrative Service (IAS). He graduated from the Graduate Institute Geneva in Switzerland with a PhD in international economics. Under the direction of Professor Richard Baldwin, he finished his doctorate. Additionally, he completed his B.E. in mechanical engineering in 1987 at the University of Roorkee, which is now known as the Indian Institute of Technology Roorkee.