At Accion, Hema Bansal has worked on client protection assessments, training, social audits, CAMEL ratings, and due diligence and monitoring of Accion investments in India. Prior to Accion, Hema served as an associate lecturer and an independent consultant with the Department of Banking and Business Finance at the Maharaja Sayajirao University of Baroda, India. As a consultant, she has worked with PlaNet Rating in India, FWWB, SEWA, and Tribal Projects for MFIs, among others. She has also worked on research projects involving rural banking, impact and microfinance, and is published in India and internationally. Hema holds a master’s and a doctorate in banking and business finance from the University of Baroda.