Possesses over 28 years of experience in microfinance, micro enterprise promotion, livelihood and cluster development programmes. Has worked extensively with national and international agencies like Centre for Youth & Social Development, Rashtriya Gramin Vikas Nidhi, CARE India and ACCESS Development Services on enhancing the capacities of national-level NGOs, CBOs and BMOs. Has also worked as a Consultant for a brief period in a World Bank study on Pani Panchayat, SHG and PRIs. Has in-depth understanding on microfinance sector and incubated models in various states.