After completing M.A. in Economics from University of Bombay in 1978, I began my career as a Lecturer in Economics in Dhempe College of Arts & Science, Miramar, Goa. In 1989 I moved to Govt. College of Arts, Science & Commerce, Sanquelim where I taught till 1994. In the meantime I completed Diploma in Business Finance from ICFAI, Hyderabad. In 1995, I took over as District Representative of erstwhile Kothari Pioneer Mutual Fund, overlooking the marketing of the fund in Goa, which gave me an opportunity to work with some of the pioneers of MF industry in India, as they created the market for a new financial product. Till 2012 I was actively associated with marketing of MF and insurance products. Since 2003 I have been a Visiting Faculty at Goa University, teaching two courses – Marketing of Financial Services and Risk Management & Insurance – for the MBA (Financial Services) programme.