Individual Members

Manish Khera

He is an entrepreneur, investor and an experienced banker with comprehensive and vast knowledge in micro-finance and micro payments, particularly in India. Manish is a visionary with an out-of-box thinking, having developed & pioneered many ventures and policy initiatives serving the needs of customers at base of pyramid and leading to new business models for the industry. Manish is an Electrical Engineer from Delhi College Of Engineering, having a Master's degree in Business Administration (Finance) from FMS Delhi, along with an M. Phil in Environment and Development from Cambridge University UK. He is also a DFID Scholar. Manish started his career in 1993 with ICICI the leading industrial financing entity in the country. Manish learnt transactional banking focusing particularly on government business and delivery to citizens leveraging technology. He led the initiatives in railway ticket booking, online tax payment and reporting and e-gov initiatives of state governments. In 2004, Manish was tasked by ICICI to develop offering and business model for base of pyramid customers. Learning from the experience of the global models, Manish founded FINO a technology company offering a common backend for 200 micro finance organisations in India and a smart card biometric and hand held devices based front end architecture. Manish worked with the regulator (RBI) to get the Business Correspondent guidelines passed in India in 2006 allowing for the first time banks to service customers not from licensed branches but through remotely located agent. Manish transformed FINO into the worlds largest business correspondent entity with over 50000 agents serving over 70 mn customers deep in Indian geography, the industry serving over 200 mn customers. Manish worked towards setting up of Airtel Payments Bank under in-principle license granted by RBI to Airtel in partnership with Kotak Bank. Manish has now decided to pursue his journey in the micro customer segment on his own leveraging his years of rich experience of working in this segment across all the business segments of liabilities, assets and payments, possibly in a global scope. Manish is a strong advocate of socially relevant businesses that are also financially viable. He has honored & recognized as Young Global Leader-2011 by World Economic Forum. Manish has been recognized by E&Y as the Entrepreneur of the Year and has been awarded the Forbes India Leadership Award 2012 for the Outstanding Start-up

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