Lalita Rao has over 20 years' experience in the microfinance industry, first at Industrial Development Bank of India and then at Small Industries Development Bank of India (SIDBI) where she voluntarily retired as Assistant General Manager handling portfolio of Micro Credit and Promotion and Development activities for NGOs/MFIs all over Karnataka.
On leaving SIDBI, she was engaged in freelance consultancy and worked with MFIs, NGOs, and small scale industries on diverse projects. Recently, she also conducted a study on the impact of micro credit on the quality of life of borrowers of 6 MFIs across Karnataka, Andhra Pradesh and West Bengal and another on the operations of an MFI which has operations in Karnataka, Tamil Nadu and Andhra Pradesh. She was also a visiting faculty for two management institutes in Bangalore. Ms Rao was also involved in customized training on micro credit, methodologies, audit, process mapping for staff of MFIs and also facilitated the design and start up of micro credit operations of a trust attached to a corporate organization in India.
She was the Head of Audit at Ujjivan Financial Services P Ltd, where she incorporated learnings from MicroSave LPA Toolkit into regular audits. She was in charge of the internal audit function at Ujjivan, encompassing rigorous branch audits by audit staff, as well as audits by independent CA firms. She left Ujjivan in June 2010, and resumed freelance consultancy, with particular interest in audit trainings and audits.
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