An MBA in professional education, she has three decades of experience in microfinance, rural finance including micro-enterprise finance, micro insurance, community based financial institution (SHGs and Federations), project design, monitoring and evaluation, institutional assessment and gender. She started her career with NABARD and gradually moved to freelancing in India, Vietnam, Bangladesh and Sri Lanka. As a freelancer she has worked with agencies like IFAD, UNOPS, GTZ, KFW, NOVIB, ILO, DFID, SDC, SIDBI, NABARD and some leading NGOs in India. She was a member of the Task Force formed by the Government of Maharashtra on micro-finance.
She has authored books and documents on community-based approaches in development finance and livelihoods. She has authored the Social Performance Report in Microfinance for four years, from 2011 to 2014. She authored the SOIL Report 2015 and 2016 jointly with N. Srinivasan. She serves on the board of FWWB and industry forums on themes of livelihoods and development finance.