Smita is a pioneer on digital banking and financial inclusion. She advises Flourish on investment strategies and policy engagements that help advance financial health and inclusion in Asia.

Until recently, Smita was an investments director at Omidyar Network India, Flourish’s partner in the country. Previously, Smita served as senior program director at CAFRAL, a global think-tank promoted by the Reserve Bank of India. There, she designed strategy programs on fintech for bank CEOs and directors. Prior to that, she was a business head at Fullerton India Credit Company, a Temasek subsidiary, where she set up a business model to offer loans and other products to rural customers.

Smita began her career with ICICI Bank, where she held various leadership positions including head of rural and agricultural insurance business and head of e-channels, introducing innovative products to improve convenience and access for customers. She has also taught microfinance courses at NMIMS School of Business Management.

A chartered accountant, Smita graduated from Sydenham College in Mumbai and attended executive programs at Harvard Business School and MIT Sloan School of Management.