Hema manages Smart Campaign initiatives in eight countries, including India, Bangladesh, Myanmar, Philippines, Pakistan, Nepal and Laos. She is involved in exploring new business opportunities for the Smart Campaign supporting the implementation of the theory of change of the campaign. She has been a program manager for several projects at Smart Campaign including, IFC, World Bank, ADB and several other projects funded by networks in the world for improving consumer protection practices. Hema ‘s current thrust area is incorporating consumer protection in Agent Network Management (ANM) models in India, Africa and also incorporating consumer protection in fintech projects in several countries around the world. Prior to Accion, Hema served as an associate lecturer and an independent consultant with Maharaja Sayajirao University in India and has a Ph.D under the Reserve Bank of Fellowship program along with several publications to her credit.