Neeraj Lal

AGM - CMD Secretariat, ESAF Microfinance

Trichur Area, India

Livelihood Rural Development MIS Financial Statement Analysis Microfinance Qualitative Market Research Capacity Building NGOs Sustainable Development Social Enterprise Qualitative Research Financial Accounting Proposal Writing International Development Community Development Analysis Program Management Financial Analysis Social Entrepreneurship Market Research Strategic Planning
At ESAF, I am engaged in a wide-range of strategic exercises. Most important of these - transition to a Small Finance Bank, currently occupies large share of my involvement.

With CML, I was engaged in overall planning and implementation of programs at CML. Key functions included strengthening programs delivery mechanisms and managing capacity building program to a variety of partner NGOs in livelihood promotions across Northeast India.

Earlier, with IGS I was responsible to manage three livelihood programs spanning farm and non-farm sector. Key objectives of these projects were enhancing agricultural productivity, testing models on agri-allied/ livestock rearing and veterinary services and creating an institution of women incense-stick producers. Previous to this, with MicroSave, I was extending consulting and technical assistance to microfinance institutions (MFI) on various functional areas. Prominent ones among these were institutional assessments, strategy formulation, operations, financial projections, internal audit and control, financial accounting, qualitative market research, loan portfolio audits, social performance management and HR management. Early in my career, with Multi Commodity Exchange, Mumbai (MCX), I was involved in exploring avenues to extend the benefits of commodity futures market to farmers and agri-institutions and with MarketPulse on demand-supply analysis of some of the agri-commodities.

My strong areas are domain knowledge in microfinance, livelihood promotion, institutions development, quantitative & financial analysis and commodity derivatives. I received my Post Graduate Diploma in Rural Management (PGDRM) in 2006 from Institute of Rural Management, Anand (IRMA).

Specialties: Developing systems and processes for nascent organisations, understanding of microfinance and livelihood domain, financial and quantitative analysis skills

AGM at ESAF Microfinance

Mar 2015 - Present



Apr 2004 - Mar 2006

User Testimonials

Great insights by Neeraj. Really appreciate his knowledge and helpful nature.


Great insights by Neeraj. Really Helpful.

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