Ms. Jyoti Vij is currently Joint Director of Federation of Indian Chambers of Commerce and Industry (FICCI) and heads the Financial Sector Division, which looks after policy issues concerning Capital Markets, Banking & Insurance sector. She is a Post Graduate in Business Economics from Delhi University, having total experience of more than 14 years in the financial sector, of which she has been associated with FICCI for more than 11 years. She has contributed immensely towards the change process happening in the Indian Economy related to the financial sector especially insurance and also contributed in the government policy formulation on numerous issues.