Dr. Sarat Kumar Malik is graduated in Economics from Ravenshaw College, Cuttack Odisha and received his Post Graduate degree, MA (Economics) from Jawaharlal Nehru University, New Delhi and conferred with a Ph. D in Stock Market Development and long-run Growth in India from IIM Ahmedabad. He served in RBI for about 11 years in the areas of banking, NBFC, foreign exchange, rural banking, Monetary Policy etc. Thereafter, he worked as Chief General Manager in SEBI for 23 years in the areas of policy, regulatory issues, Stock Exchange depository, research, data management etc. He also worked as RBI Chair Professor for some years in Indian Institute of Corporate Affairs, MCA. He is also member of various committees viz., Government of Maharashtra, member of Committee on Financial Statistics set up by Statistical Commission of Government of India member of Committee on Fintech and Banking technology set up by RBI, Member of Committee on Capital Market Development in SAARC countries set up by SAARC, Kathmandu, Member Policy Advisory Group. SEBI, Editor – SEBI Monthly Bulletin for same Years.