Mr. V.M. Francis is a micro finance practitioner with over 30 years of experience in the financial services sector. Starting his career as a management trainee with State Bank of India, the largest Bank in India, he gained extensive experience in corporate banking, risk management, retail & SME banking and profit centre management. He moved to micro finance over a decade ago as a consultant with UNDP. He has managed micro finance institutions in Kenya, Ghana and Nigeria. Mr. V.M. has a Masters in Journalism and Mass Communication with specialization in Developmental Journalism and had a short stint in Journalism. He is an Associate of Indian Institute of Bankers and has worked as a consultant for IFAD.