In her view, long-term success rests on three pillars: speed, product knowledge, and pricing. “A combination of the three is still a winner,” she said. Staying ahead of market shifts, pricing swings, and emerging risks is key. But above all, Sharma emphasizes the human element. “If you’re innovative, if you’re picking up the phone, talking to clients, providing the knowledge they need, and educating newcomers, you’ll win.”