H.P.S. Pahwa did Masters in Business Administration from Faculty of Management Studies, Delhi University in the year 1975. He started his carrier as Probationary Officer in Bank of India and subsequently shifted to PICUR a premier State development financial institution. He has over a decade of rich experience in banking and development banking. He is a prolific writer and has contributed articles to several professional journals like 'Chartered Secretary' and 'Chartered Accountant'. His article on 'Lease Financing' has been adjudged as one of the best thought-provoking and incisive papers on the subject and has been selected for the book 'Readings in Financial Management1 published by the University of Rajasthan. He is also the author of three very well received books, namely, 'Project Financing', 'Sick Industries & BIFR' and 'Guide to Technical Analysis'. He has worked for several years as the Senior Finance Manager, PICUP a State Financial Corporation before seeking premature voluntary retirement to venture as a consultant and advisor to the corporate sector.