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.