Joseph brings more than 25 years of experience in investments, bank loans, fixed income and corporate credit. He formed JP Consulting in February 2011, and is the Managing Member.
From 2002 to 2011, Joseph served the National Association of Insurance Commissioners (NAIC) for eight years as Manager of the New York based SVO's Investment Research Unit. As the Manager, he led a team of professionals, who served as investment specialists analyzing the investment portfolios of insurers upon the request of the state insurance department. In addition, his Unit conducted training for regulators on all matters relating to insurer investments.
Prior to joining the NAIC in 2002, Joseph served as Research Manager at Citigroup where he supervised a team of analysts and shared credit risk management responsibility for a $3 billion bank loan and high-yield securities portfolio. Joseph also worked as a senior bank examiner for the New York State Banking Department from 1991-1993. As a senior examiner, he examined the investment and loan portfolios of several large domestic banks and the branches and agencies of large foreign banks based in New York City. Also, he served on the FRB-administered Shared National Credit Program, which required him to rate the loans and securities underwritten by large financial institutions and check their credit risk management process.
After graduating from India’s National Defense and Military Academies, Joseph was granted a BSc degree from Nehru University (New Delhi) and commissioned as an officer in the Indian Army. He earned his MBA from Missouri State University and is a Chartered Financial Analyst (CFA). In addition, to the CFA Institute's Investment Management Workshops at Harvard Business School, Joseph recently completed the CRCP at FINRA Institute of The Wharton School.