Jan 2016 – Present · 10 yrs 3 mos · Gurugram, Haryana, India

• I specialise in development & financial sector (inclusive finance) with extensive experience in assessments/evaluations, policy analysis, risk management and governance.

Mar 2011 – Mar 2016 · 5 yrs

• M-CRIL is a global microfinance/inclusive finance rating and technical services agency. My responsibilities include business development, project execution, financial management, staff management, reporting to the board and representing M-CRIL at national and international events.
• My technical work area includes diverse services which can be broadly classified as Assessments and Technical Services. Under Assessments, the portfolio includes Ratings (financial and social), Loan Portfolio Audits, Risk Diagnostics, Project evaluation, NGO assessments and Client Protection Certification. Under Technical services, the portfolio includes risk management support, impact investment evaluation, policy analysis, advisory on governance and downscaling/market opportunities.
• Besides having worked directly in 16 countries, I have supervised work across 27 countries.

Nov 2008 – Mar 2011 · 2 yrs 4 mos

• Global microfinance rating agency

Jan 2003 – Jan 2004 · 1 yr · Mumbai Metropolitan Region

• I was part of the multi-institutional (NABARD, ICICI Bank, LIC and National Stock Exchange) task force to set up and operationalise India's first online demutualised commodities exchange. The exchange went online in 6 months in December 2013 (www.ncdex.com).
• My assignment included
• + Formulation of futures contract of agri commodities based on market assessment
• + Setting up physical delivery logistical chain
• + Project on dematerialisation of warehouse receipts (first of its kind in Asia)
• + Project on aggregating retail farmers to enable them to trade and hedge commodity risks

Sep 1992 – Oct 2008 · 16 yrs 1 mo · Mumbai Metropolitan Region

• NABARD is the apex bank for rural finance/development in India and also acts as a regulator for cooperative banks and rural banks. During my stint at NABARD, I handled diverse work ranging from SHG-Bank linkage programme to regulatory supervision of banks. The work area encompassed both macro (policy) and micro (field),
• Key work areas handled by me were
• + Formulation of refinance policy to banks; Guidelines on Farmer Credit Cards (Kisan Credit Card)
• + Appraisal of investment projects for financial support
• + Supporting Cooperative banks and Rural banks in restructuring under Development Action Plan
• + Sensitising bankers and NGOs on design features of SHG-Bank linkage programme
• + Impact evaluation of poverty focussed development interventions
• + Monitoring and policy guidelines relating to agricultural credit to farmers.
• + Mainstreaming gender in development programmes.