Manoj Sharma


Manoj Kumar Sharma is a Director at MSC. He is a development and inclusive finance expert with over 28 years of experience.

Manoj has worked in Afghanistan, Bangladesh, India, Indonesia, Italy, Kenya, Lao PDR, Nepal, the Philippines, Papua New Guinea, Sri Lanka, Myanmar, Sweden, and Vietnam. Manoj oversees the Institutional Development & Support; Digital Transformation, FinTech-related initiatives, Value Chains Financing & Development; SME; Environment Financing and Capital Advisory Services Practice Groups at MSC. He leads downscaling projects for commercial banks, developing sustainable savings products for small entrepreneurs and clients, and building institutional capacity of MFIs. Manoj played a key role in mainstreaming loan portfolio audits in MFIs as a tool for banks to assess lending and investment decisions. He led the preparation of an organizational development toolkit for financial institutions and a business lending toolkit. He has played a leading role in MSC’s digital financial services domain, supporting strategy development and agent network management for a variety of banks in India, the Philippines, and Papua New Guinea. His areas of interest include assistance to start-up microfinance institutions, product development, market research, and urban microfinance. Prior to joining MSC, Manoj was an Assistant General Manager at the Small Industries Development Bank of India (SIDBI). During his time at SIDBI, Manoj was a part of the SME financing team, which negotiated a USD-225-million private sector support assistance package with the World Bank (lead investor), DFID, KfW, and GTZ. Manoj was responsible for managing the fund and a USD-22-million technical assistance to design and implement the program in clusters. He also worked extensively to design and implement programs to promote micro-enterprises and create livelihood opportunities in rural areas. The program was underway in more than 65 locations and has promoted more than 17,500 enterprises. Manoj has a Master’s of Science in Environment degree from Sikkim Manipal University, India. He is fluent in English and Hindi.

Posts by Manoj Sharma

The Andhra Pradesh Crisis: What Should The Government Do?

This note examines what the government should do in the wake of the Andhra Pradesh Crisis.

The Andhra Pradesh Crisis: So What Next?

This note examines how the Indian MFIs should respond to save their industry – denial is no longer an option.

The Andhra Pradesh Crisis: What Should MFIs Do?

This note examines the nature of the shake-up and likely consequences including interest rate caps, sources of capital, equity valuations and the worst case scenario

The Andhra Pradesh Crisis: Three Dress Rehearsals … and then the Full Drama

This note explores “three Ks” and critically examines the responses of the microfinance industry.

Commercialisation of Microfinance in India: Is it all Bad?

This note puts rays on the commercialisation of Indian microfinance leading to a massive increase in outreach and expansion of credit to the poor in India.

Microfinance – Time to Get to Back to Basics?

This note highlights the need for microfinance in India and the role of private sector microfinance whether in ‘for-profit’ or ‘not-for-profit’ formats will remain.

Dinosaurs and Rabbits – Indian Microfinance Market Evolution

The microfinance world is changing – very fast. This note assesses what is needed for MFIs to keep up with the pace of change.

Electronic Banking: The next revolution in financial access

This paper highlights the role of e-banking in improving financial access to the poor. It brings forth three major reasons viz. inadequate customer value proposition for the end users, a poorly developed business case for the companies collaborating, and a debilitating environment, responsible (one or all) for successful implementation of e-banking solution. This note concludes […]