Seasoned and versatile management professional with cross-functional experience in Micro Finance and MSME space acquired over 25 years with highly reputed organizations. Opted for Voluntary Retirement after serving as Deputy General Manager with Micro Units Development & Refinance Agency (MUDRA) and Small Industries Development Bank of India (SIDBI).• Demonstrated ability in developing strategy & roadmap for improving the performance of the Microfinance operations.• Expertise in implementing and communicating the vision, mission, and overall strategy and direction also, expert in monitoring risk management and full compliance with all legal requirements affecting the microfinance operations.• Proven competencies in analyzing and managing compliance and risk management issues by identifying, measuring and making decisions on operational risks for the organization.• Rich experience in managing the overall operational and administrative responsibilities of branch, driving growth of company revenues, turning around the branch into profit centers and improving business performance through innovative initiatives. • Demonstrated skills in monitoring MSME lending operations across large customer bases, team leadership and management skills and domain knowledge in lending policy formulation, MSME business plan, credit policy, risk policy in relation to credit risk, market risk, operation risk and analyzing business situations. • Expertise in Skill & Entrepreneurship Development, Financial Inclusion space, Evaluation & Monitoring of Projects, both in MFIs and MSME space.• Appraisal/evaluation and follow up and monitoring of Micro Finance Institutions (MFIs), NBFCs and Non-Governmental Organizations (NGOs).• Expertise in devising Training Modules for MSME / MFI lending, EDPs, Financial Inclusion etc., preparation of Project Profiles.• Faculty member on training sessions for MSME/Microfinance lending.

On deputation with MUDRA from SIDBI. Founding member of MUDRA, a flagship programme of Government of India. Handled Microfinance and NBFC Operations.

Worked at PATNA, NAGPUR, MUMBAI, LUCKNOW & HYDERABAD as Assistant General Manager looking after MSME operations at Branch and Head Office, Microfinance operations, Human Resources.