4.3
Speaks English, Hindi

Independent Digital Financial Services and Financial Inclusion Consultant

Over 12 years of progressive international experience in consulting, project management, research and operations for financial services for the unbanked. Cross regional work experience in Asia (India, Indonesia, Myanmar, Philippines, Bangladesh and Nepal), Africa (Kenya, Uganda, Mozambique, Malawi and Ethiopia) and Oceania (Fiji and Papua New Guinea). Hands on experience in digital financial services, micro-finance, agricultural finance and financial inclusion. Worked with some of the largest Banks, Mobile Network Operators (Telcos), technology companies, microfinance institutions and other stakeholders such as funders, central banks and relevant government bodies. Certified trainer in Market Research, Product Development, Pilot Testing, Process Mapping, Internal Audit and Control, Customer Service and Branch Manager’s Training. Also published several papers on digital finance and financial inclusion. Strong understanding of the financial infrastructure, bottlenecks and financial behavior and requirements of low-income households and enterprises.
Questions I can answer:
How to manage successfully large advisory portfolio?


Experience
IFC - International Finance Corporation • Fiji

Digital Financial Services Consultant

2016 - Present (2 years, 5 months)
Hired by IFC to work on a short term consulting assignment with Westpac Bank in Fiji and Papua New Guinea to develop recommendations that Westpac can draw upon to enhance mobile banking penetration and usage of agency banking, especially for women.
UNDP • Bangladesh

International Consultant-Financial Inclusion

2016 - Present (2 years, 6 months)
National Urban Poverty Reduction Programme (NUPRP) aim towards contributing to balanced, sustainable growth and reduction of urban poverty in Bangladesh. Objective of the short term assignment is to identify appropriate linkages with relevant agencies/ departments and integrate Universal Financial Inclusion principles in the implementation of NUPRP at the town level for the urban poor.
AFC Consultants International • Mozambique

Agency Banking Expert

2015 - Present (3 years, 6 months)
AFC Consultants has been contracted by Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ) in Mozambique to work on "​ Improving Framework Conditions for a Competitive Private and Financial Sector"
Women's World Banking

Agency and Mobile Banking Consultant

2015 - Present (3 years, 10 months)
Client: NBS Bank, Malawi (http://www.nbsmw.com)

Supported the UNCDF’s funded agency banking pilot being implemented by the NBS Bank in Malawi with technical support from Women’s World Banking. Objective of the Bank Pafupi health check was to identify the challenges faced, and to provide recommendations that can improve the performance of the pilot. This also included supporting the design of a strategy towards a successful wider rollout of the alternative delivery channel.
Enclude Holding

Digital Finance Consultant

2014 - Present (4 years, 11 months)
Resident Advisor for supporting Sub-K to build and strengthen agent network for delivering mobile financial services esp. Savings to unbanked people. It also includes conducting Market Research, designing new financial products esp. G2P payments, Credit and Remittances, pilot testing and helping Sub-K to establish relationships with Commercial Banks and MNOs. Sub-K offers a mobile technology based transactional platform for enhancing access of financial services in rural areas.
Co-lead for a national initiative in Ethiopia to digitize at scale agricultural input vouchers for more than 4 million small-hold farmers using a combination of online and offline branchless distribution strategies and platforms. This included providing technical support to partners involved in rolling out a secured voucher system (to electronize the current manual system) for agricultural input and credit reconciliation.
Worked with the UNCDF’s MM4P initiative to move Nepal from the early start-up phase firmly into the expansion phase. Worked with Ncell as lead consultant to develop options related to branchless banking and mobile financial services. Was responsible for developing the business case for Ncell, including identifying potential partnerships, products, pricing and value proposition, as well as addressing regulatory concerns. In addition, made recommendations that impacted Ncell’s strategy on technology, agent network management strategy, marketing and promotion, and market entry.
Aga Khan Agency for Microfinance-FMCC • Kyrgyzstan

Digital Financial Services Strategy Expert

2016 - Present (2 years, 9 months)
The First MicroCredit Company (FMCC) is one of 11 microfinance institutions (MFIs) that fall under the auspices of the Aga Khan Agency for Microfinance (AKAM). Supporting as short term strategy consultant as FMCC is now considering various strategic options to increase its outreach in Kyrgyzstan.