As part of Accion Global Advisory Solutions, Ricardo Calvo is the Vice President of Credit and Business Processes responsible for leading advisory teams across several regions in implementing global best practices in the areas of MSME lending and commercial strategy. With specific expertise in process improvement and operational efficiency, Ricardo has led teams to reengineer credit processes, launch business correspondent institutions, introduce individual lending and group lending methodologies, and implement digital applications in commercial banks. Ricardo began his career in management roles with microfinance institutions in his native country of Peru. He holds a B.A. in economics from Universidad Ricardo Palma and a marketing specialization from ESAN School of Business.