Sanjay has close to 18 years of experience in the financial services industry across retail and business banking and across geographies. His most recent experience has been in understanding the working capital needs of the priority sectors with a focus on MSMEs. 

His current focus is on working with state finance corporations and bodies like KIIFB, KFC, TIIC etc. as well as the private sector financial entities to understand and support the different financial needs of tiny, micro, small and medium enterprises. He has also worked on the redesign of the invoice discounting process with state governments. 

Sanjay believes in strong, data backed, technology driven lending programs. He has developed and built a transaction platform to assist in aggregation of produce and services from MSMEs. As a consequence, this has enabled him to work with financial institutions in building customised data based lending programs for the MSME segment.