
Research Associate at Centre for Micro Finance
India

Research Associate at Centre for Micro Finance
India
Practitioner and now, a researcher with 4 years of experience across retail banking analytics, micro-finance and inclusive banking models. Experience working with range of stakeholders - private and public sector bankers, NGOs, Governments and rural clients.
Business Planning, Accounting, Analytics, Banking operations, Micro-credit, Social Enterprises, Rural Business Models, Micro-finance, Research
(Non-Profit; Research industry)
June 2009 — Present (6 months)
Research on sector-wide and policy issues in micro-finance
(Information Technology and Services industry)
June 2008 — May 2009 (1 year )
Comat Technologies is a social enterprise providing G2C and B2C services through a network of more than 1000 telecentres in Karnataka and Haryana.
I work with Comat's B2C unit to develop products and services for rural communities, especially in the areas of financial inclusion and inclusive banking, to be served through Comat's tele-centers.
Activities Undertaken:
1. Implementation of payment mechanisms for rural areas
2. Roll-out of correspondent banking models in rural and semi-urban areas.
3. Working with senior management on roll-out strategies for rural business services.
(Non-Profit; 201-500 employees; Civic & Social Organization industry)
September 2007 — April 2008 (8 months)
SAMUHA is a Karnataka-based NGO working with vulnerable people for more than 20 years now with interventions in community-based rehabilitation for people with disabilities, AIDS, watershed development, remote sensing and micro-credit.
I work with their micro-credit operations in two districts of North Karnataka. As Director of Operations, I am responsible for:
1. Day-to-day operations of the micro-credit wing
2. Developing a scalable and replicable model of accounting, book-keeping and operations for future expansions
3. Project Management - Development of a comprehensive software for managing micro-credit and micro-finance initiatives.
4. New Initiatives and Product Development
(Public Company; 10,001 or more employees; Banking industry)
May 2005 — August 2007 (2 years 4 months)
Worked with the bank's Business Intelligence Unit (BIU) and handled analytically-driven strategy management for the largest Credit Cards business in the country.
I worked with TRIAD, a predictive analytics engine that drives strategies across:
Credit Line Management
Risk-based Repricing
Collections
Project Management for a version upgrade
I also worked on account management projects involving settlements, bill-cycle rationalization and loss-forecasting.
Expertise in the use of data-mining tools and techniques - SPSS Clementine, SAS, SQL
(Public Company; 10,001 or more employees; Computer Software industry)
January 2003 — June 2003 (6 months)
PGDM , Finance, Marketing , 2003 — 2005
B.E , Electronics and Communication Engineering , 1998 — 2002
Quizzing, Research, Economics