Consultant

• Apr 2023 - Present

Founding Board Member

• Mar 2022 - Present

Strategic Advisor

• Aug 2022 - Present

CEO

• Apr 2015 - Jul 2022

• Spearheading a financial inclusion model for seasonal migrant workers; incubating services and assembling delivery channels; Over 1,50,000 families cumulatively benefitted from services and financial literacy programs• Emergency relief: Designed and executed an emergency cash transfer program for over 7000 migrants during the 2020 Covid-19 lockdown; and an emergency support program for migrants during the second wave of Covid-19 • Building industry partnerships; Over 16 industry partnerships set up including partnerships for collateralised housing finance, digital payments and remittance services, research and policy, technology platforms and fundraising• Conceptualizing and implementing field research for product design, pilots and impact assessments. Seven new products launched including uncollateralised housing finance, health-finance, digital financial services and entrepreneurship support. • Providing strategic direction and capacity building support to field operations• Awards and recognition: Hindu Businessline Financial Change makers 2019 award top 5; Winner of CGAP customer centricity 2018; MetLife Inclusion Plus second runner up, India 2017; MetLife Inclusion Plus People’s choice award 2017; Cohort of INSEAD social entrepreneurship program 2015. Show less

General Manager - Financial Inclusion

• Jul 2012 - Mar 2015

• Introduced systems of internal audit, cash management practices and KYC norms to match industry best practices• Designed and implemented a financial literacy model called ‘Samrudhi’ for seasonal migrant workers, both at rural villages and destination cities • Piloted a micro-savings product called ‘gullak’ for women from migrant households to manage prolonged male absence and cash flow volatilities in villages • Scaled the financial literacy model and micro-savings product across 4 blocks benefitting over 20,000 migrant households; enabled linkages of over 8000 migrants with bank accounts, insurance, credit and pension services. • Campaigned for social security measures for and better visibility of informal migrants in local administrative bodies • Winner of UnLtd. India Growth Challenge 2013 Show less

ICICI Fellow

• Jul 2010 - Jun 2012

• Designed and pilot tested financial literacy tools and modules for migrant workers and women from migrant communities• Enrolled over 3000 workers in insurance, old age pension and social security programs such as BoCW• Community mobilisation and formation of women's groups to promote savings and financial literacy programs• Pilot tested financial diaries with migrant families• Conducted impact assessment studies and published report on the financial behaviours of migrant communities Show less

Consultant - Centre for Migration & Labour Solutions

• Jan 2014 - Dec 2016

• Capacity building and technical training on labour migration, financial inclusion and action research of partner organisations and labour unions in Odisha and Rajasthan • Handholding partners in establishing and implementing migration support programs on the ground • Supporting design and delivery of curriculum for a certificate program in labour migration for field practitioners • Capacity building and technical training on labour migration, financial inclusion and action research of partner organisations and labour unions in Odisha and Rajasthan • Handholding partners in establishing and implementing migration support programs on the ground • Supporting design and delivery of curriculum for a certificate program in labour migration for field practitioners

Lecturer in Microfinance

• May 2010 - Jun 2010

Research Intern

• Jan 2010 - Mar 2010

• Evaluated the financial and social performance of the NGO’s micro-lending program, education and health services program • Analysed the financial statements of the NGO since inception, calculated key performance ratios, conducted focus group interviews with beneficiaries and gathered data from a random sample of clients • Studied the relevance of the NGO’s activities and it’s alignment with local needs and culture • Constructed a business case for the NGO and provided recommendations for scaling of activities • Prepared a marketing document highlighting the USP of the NGO to be used for securing institutional funding Show less

Research Intern

• May 2008 - Jul 2008

• Published a research report: Kulkarni, Rupal. 2008. “The Public-Private Tug-of-Water, Water Privatization in Mumbai: An Analysis of the Water Distribution Improvement Project in the K-East Ward”. Working paper no.198, CCS. www.ccs.in/ccsindia/downloads/intern-papers-08/Water-Privatisation-in-Mumbai-198.pdf • Evaluated public and private water management systems through quantitative and qualitative research - computing and analysing water utility indicators, conducting personal interviews and focus group interviews; Circulated report among local grassroots organisations, municipal bodies and community workers • Interacted with stakeholders like local municipal officers, citizens, rural migrants and civil society activists to get a multi-dimensional perspective on water management and created awareness among them on water as a human right. • Awarded a certificate of excellence for research quality and integrity Show less

Co-founder and Vice-President, Youth Wing

• Jul 2005 - May 2008

• Co-founded youth wing with 7 other colleagues in 2005. Managed budgeting, volunteer recruitment and execution of interactive HIV/AIDS awareness programs in schools, colleges and companies • Spearheaded strategic committee to recommend structural changes to the youth wing and directed the implementation of these recommendations • Established cells in three cities; increased volunteer base from 50 to 200 and broadened program outreach from 500 to 3300 as compared to the initial year • Formed liaisons with local, national and international organisations such as CII-YI and API for joint intervention programs • Prepared educational material on HIV/AIDS prevention – FAQ booklet and awareness movie; circulated booklet to local colleges; screened movie to media audiences, donors and participants Show less

Project manager - MIRACLE 2007

• May 2007 - Jul 2007

• Trained students from 2 schools in basic concepts of environmental conservation; established student-run waste management system in the schools • Facilitated a nationwide youth conference on environmental and cultural exchange for over 200 participants • Trained students from 2 schools in basic concepts of environmental conservation; established student-run waste management system in the schools • Facilitated a nationwide youth conference on environmental and cultural exchange for over 200 participants

Volunteer

• 2007 - 2007

• Volunteered at a conference called "Synergy" to encourage collaborations and resource sharing between NGOs • Served as camera person for the entire conference and videotaped information sessions • Interacted with social leaders from various NGOs including the Dhanvantari Trust and Helpers of the Handicapped • Volunteered for two of the participating NGOs after the conference • Volunteered at a conference called "Synergy" to encourage collaborations and resource sharing between NGOs • Served as camera person for the entire conference and videotaped information sessions • Interacted with social leaders from various NGOs including the Dhanvantari Trust and Helpers of the Handicapped • Volunteered for two of the participating NGOs after the conference