Sunil Bhat is a Senior Analyst in MicroSave’s MicroFinance and Banking Domain. He is a financial sector consultant with over four years of experience advising more than 20 financial institutions in India, Nepal, Bangladesh, Indonesia, Sri Lanka and the Philippines. Sunil has an MBA from Narsee Monjee Institute of Management Studies in Mumbai and a B.Tech from the National Institute of Technology in Calicut. His areas of expertise include: social performance management, microinsurance, company valuation, financial due diligence, strategic business planning, financial management and ratio analysis, risk management, individual microfinance lending and qualitative market research.