Bhavana is Associate Director, MicroSave. Bhavana is a financial services consultant with over 20 years of experience of which 16 years have been in microfinance, SME lending, and project management. Her core expertise lies in due diligence and assessment of MFIs, SME banks and other FIs; and design and implementation of large-scale financial sector programmes that seek to enhance access to finance for low-income households and the bottom of pyramid markets; and project management.