Ritesh Dhawan is a Senior Analyst in MicroSave’s Digital Financial Services domain, where he is associated with MNO/ANM Practice Group. He has extensive experience in developmental consulting through projects with Banks, Agent Network Managers, Mobile Network Operators, Technology Service Providers, and mid-sized MFIs. Ritesh’s work focuses on market research, marketing, customer service, internal audit and controls, process analysis, preparing operations manuals, pilot test planning, loan product review, and designing staff incentive schemes.