“Ninan Joseph lives in Aluva, Kerala. He spent nearly thirty-seven years with the Federal Bank, working across roles and locations before retiring from service.
Post-retirement, he began revisiting notes, memoirs, and half-formed thoughts accumulated over the years. This book grew out of that exercise — an attempt to capture lessons learnt quietly, often late, and rarely in the order expected. He writes not as an expert, but as a participant — still observing, still learning, and still occasionally getting it wrong.”