She holds a Ph.D degree in Economics from University of California in Riverside, USA. Dr. Ganguli has a wide ranging experience in academic teaching, research and consulting in Economics and Quality Assurance for the last 20 years in India, USA and Bahrain. She has worked for 10 years (2004-2014) at the Bahrain Institute of Banking and Finance (BIBF) in various capacities, her last position being the Head of Centre for Banking.