Sunil Bhat

Senior Manager

Sunil Bhat is a Senior Manager in MicroSave’s Digital Financial Services- Payments & Distribution Domain. He is a financial sector consultant with over eight years of experience in advising more than 40 financial institutions in India, Bangladesh, Indonesia, Sri Lanka, Nepal, Malawi, Liberia, Democratic Republic of Congo, Vietnam 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 risk management in DFS agent networks, process re-engineering, strategic business planning, financial analysis, microfinance, responsible finance, and agent network strengthening and product development.

Posts by Sunil Bhat

Not Just Another Startup Accelerator in India: How the Financial Inclusion Lab is Shining a Light on Underserved Customers

This blog talks about the Financial Inclusion Lab accelerator program, which is supported by some of the largest philanthropic organizations across the world – Bill & Melinda Gates Foundation, J.P. Morgan, Michael & Susan Dell Foundation, MetLife Foundation and Omidyar Network.

Weathering a Perfect Storm – Part 2: Seven Ways Fintechs Can Survive the COVID-19 Pandemic

This blog covers the diverse strategies of FinTechs both big and small to adapt to the situation and overcome the challenges brought forth by the pandemic.

Weathering a Perfect Storm – Part 1: The Challenges Facing Fintechs in Emerging Markets During COVID-19

This blog covers the challenges and opportunities born from the COVID-19 pandemic, for both small and established FinTechs, particularly in the emerging markets. It sets the stage for part two, where we discuss how these FinTechs face these unprecedented challenges.

Survival tips for start-ups—taking a leaf out of Bear Grylls’ book

As COVID-19 has pushed the start-up world into chaos, many are redrawing their survival strategy to deal with an unprecedented pandemic. This blog draws key lessons from survivalist Bear Grylls for start-ups to tide over these wild and uncharted times of crisis.

Staying ahead of the technical assistance curve: Six lessons from FinTech start-ups in India

About a year back in August 2018, MSC collaborated with the Indian Institute of Management Ahmedabad’s Centre for Innovation Incubation and Entrepreneurship to start the journey of Financial Inclusion Lab. The Lab currently receives support from the J.P. Morgan, Bill & Melinda Gates Foundation, the Michael & Susan Dell Foundation, and the Omidyar Network. The Lab supports start-ups that develop innovative, technology-enabled solutions in the areas of financial technology, livelihoods, and skilling for the benefit of low- and middle-income (LMI) communities. MSC provided technical assistance (TA) to these start-ups. This blog focuses on the lessons learned from this TA program where we highlight six key insights that could be helpful both to investors, consultants, and other organizations which plan TA programs for similar start-ups.

Boot camp experiences for start-ups: Cheaper by the dozen

Bootcamps designed by the JPMC FI Lab allow start-ups to introspect and reflect on their “growth and accelerate” needs. This blog brings out the lessons and experiences from these bootcamps.

Kaarva: A micro salary advance for a micro expense

This blog highlights the journey of Kaarva, a fintech start-up that provides salaried people from the low-and middle-income segments with early access to a portion of their earned salaries for the month without charging any fees.

High-Hanging Fruit and Easy Catch—Merchants who need additional “hooks” and hand-holding

This is the third blog from the “Digitizing merchant payments in India” series. It draws from earlier blogs in this series and examines two personas of the merchant ecosystem—high-hanging fruits and easy-catch merchants.