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Our Team

Mr Sanjay Sinha, Managing Director
Mr Sanjay Sinha is an alumnus of Oxford University and holds an M.Phil. in Economics from Jesus College, Oxford University. He has 30 years of economic and development research experience in South and Southeast Asia. He has specialized in sub-sector analysis of activities of relevance to the livelihoods of poor people, microenterprise promotion and BDS in addition to microfinance. He is co-founder of EDA Rural Systems Private Limited, one of the leading development consultancies in Asia and parent company of M-CRIL. The establishment of M-CRIL emerged out of EDA’s experience with MFIs and from undertaking policy studies in the field of microfinance. He pioneered the development of credit rating framework for MFIs and has been instrumental in mainstreaming credit rating and flow of commercial funds to the sector. He has provided consultancy to international organizations like UNDP, ADB & ILO, authored numerous sector reports during his career and has published extensively in major journals as well as in the print media. Acknowledging his achievements and contribution to the sector, Sanjay Sinha was inducted as a Member of the UN Advisors Group on Inclusive Financial Sectors.
Dr Alok Misra, Director
Alok holds a doctorate in Development Studies from Victoria University, New Zealand and a Master in Development Management from Asian Institute of Management, Manila, where he was an ADB scholar. He has 18 years of rich professional experience in rural development, finance and research at both policy and implementation level. His professional work with India’s Apex Development Bank (NABARD) spans poverty alleviation, microfinance and agricultural finance. Alok was an integral part of the multi institutional task force that set up India’s first online commodities exchange in 2003. Alok has gained wide ranging experience by working with institutions in both developed and developing countries such as India, Cambodia, Kyrgyzstan, Morocco, New Zealand, Philippines and Vietnam. He is a member of the Expert Group constituted by the Planning Commission on “Issues relating to promotion of an independent national level Self-Regulatory Agency and Accreditation methodologies for the voluntary sector”.

In addition to the Managing Director and Director, the M-CRIL team consists of four Senior Rating Analysts and six Analysts. M-CRIL’s rating team has substantial capacity and the best available qualifications in the field of financial analysis and development. The rating team professionals have studied at India’s premier institutes like Institute of Rural Management, ANAND (IRMA), Indian Institute of Forest Management (IIFM), Bhopal, Xaviers Institute of Management, Bhubaneswar (XIMB) and Tata Institute of Social Sciences (TISS), Mumbai. With such diversity, our team provides a unique blend of financial and social skill sets.
Senior Analyst
  1. Mr Gunjan Grover
  2. Ms Karuna Sharma
  3. Mr Pankaj Kumar
  4. Mr Tirupathaiah Namani
Analysts
  1. Ms Berenice da Gama Rose
  2. Mr Satish Gupta
  3. Mr Saurabh Rastogi
  4. Ms Shraddha Jha
  5. Mr Sudhanshu Shekhar
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