Team Manoj Sharma


Managing Director - Asia - Pacific
Lucknow, India

Manoj K Sharma is MicroSave’s Director - Asia and Pacific. He is a development finance and SME specialist with over 24 years of experience in Afghanistan, Bangladesh, India, Indonesia, Italy, Kenya, Lao PDR, Nepal, the Philippines, Papua New Guinea, Sri Lanka, Myanmar, Sweden and Vietnam. Manoj oversees the MFI Development & Support; Value Chains Financing & Development; SME; Environment Financing and Capital Advisory Services Practice Groups at MicroSave. In MicroSave, he leads downscaling projects for commercial banks developing sustainable savings products for small entrepreneurs and clients and building institutional capacity in MFIs. He played a key role in mainstreaming loan portfolio audits in MFIs as a tool for banks to assess lending and investment decisions, and led the preparation of an organisational development toolkit for financial institutions and a business lending toolkit. Manoj has played a leading role in MicroSave’s digital financial services domain, supporting strategy development and agent network management for a variety of banks in India, Philippines and Papua New Guinea.  His areas of interest include assistance to start-up microfinance institutions, product development, market research and urban microfinance.
Some recent examples of his work include:

  • Project Management of ‘Advisory Services to Microfinance Institutions in Myanmar- Under the Myanmar Microfinance Project, MicroSave was contracted by IFC to provide advisory services to two MFIs (one of which is the leading MFI in the country) in the areas of human resource development, internal audit, treasury management, and institutional transformation and MSE product development.
  • DFII (Digital Financial Inclusion in India) -USD 8,499,398project funded by Bill & Melinda Gates Foundation for Enhancing access to digitised G2P payments; Technical Support to banks, ANMs and MNOs; and Policy Advocacy to address some of the major barriers in the way of enhancing digital financial inclusion in India.
  • Expanding value added financial services to micro, small and medium enterprises (MSMEs) through gender based finance and energy efficiency funded by International Finance Corporation to sensitise the senior management team of banks, non-banking financial institutions and microfinance institutions in India, through a focussed workshops, about the opportunities, benefits and returns as well as challenges in expanding financing to the women-owned MSMEs in India.
  • SME banking model design and implementation support to Opportunity Kauswagan Bank in Philippines by developing a product rationalisation strategy for Opportunity Kauswagan Bank (a merged bank) and also a strategy for growth and sustainability focussed on un-served MSME markets.

Prior to joining MicroSave, Manoj was an Assistant General Manager at the Small Industries Development Bank of India (SIDBI). During his time at SIDBI, Manoj was part of the SME financing team which negotiated a USD 225 million private sector support assistance package with the World Bank (lead investor), DFID, KfW and GTZ. Manoj was responsible for managing the fund and a USD 22 million technical assistance to design and implement the programme in clusters. Manoj also worked extensively to design and implement programmes for the promotion of micro enterprises and the creation of livelihood opportunities in rural areas. Currently the programme is underway in more than 65 locations and has promoted more than 17,500 enterprises. Manoj has a Master’s of Science in Environment degree from Sikkim Manipal University, India.