About me

I hold a PhD in Management (Economics and Public Policy) from the Indian Institute of Management Shillong, India. My research focuses on inclusive finance and its impact on development outcomes, with a particular focus on household financial resilience and financial behaviour in the face of different types of shocks. I examine how households make financial decisions, manage risk, and cope with vulnerability, and how these processes shape broader outcomes related to poverty and inequality. Within this broad area, my research covers themes such as financial inclusion, financial literacy, financial well-being, gender, and poverty. I am also interested in applied econometrics and in exploring causal inference approaches.

Currently, I am an Assistant Professor at the Birla Institute of Management Technology (BIMTECH), Greater Noida.

Download my resumé

Education

• PhD in Management (Economics and Public Policy)
  Indian Institute of Management Shillong
  (2020 - 2025)
• MTech in Technology and Development
  Indian Institute of Technology Bombay
  (2015 - 2017)
• BE in Instrumentation Engineering
  Dr. D Y Patil Institute of Technology, Savitribai Phule Pune University
  (2010 - 2014)

Experience

• Assistant Professor
  Birla Institute of Management Technology (BIMTECH), Greater Noida
  Economic and International Business
  (May 2025 - Present)

• State Program Manager
  Child Nutrition (ChiNu) Centre of Excellence
  State Health Systems Resource Center (SHSRC)
  Funded by- UNICEF and IIT Bombay
  (Dec. 2024 - April 2025)

• Research Associate
  CSR Study Unit, Indian Institute of Technology Bombay
  Funded by - Ministry of Heavy Industries, Government of India
  (July 2018 - Feb. 2019)

• Research Fellow
  CTARA- IITB MoRD Fellowship
  Funded by - Ministry of Rural Development, Government of India
  (July 2017 - June 2018)

Interests

• Managerial Economics
• Macroeconomics
• Development Economics
• Applied Microeconomics
• Behavioral Economics
• Applied Econometrics
• Data Analysis using R and STATA

PhD Thesis

Title: Multidimensional Financial Resilience: Conceptualization, Measurement and Impact of Shocks

My thesis conceptualizes financial resilience as a multidimensional, ex-ante capability. Using three studies with household-level survey data, first, I develop a composite measure of financial resilience to capture households’ ability to absorb shocks, adapt, and recover using resources, namely: financial inclusion, financial literacy, digital literacy, participatory decision-making, and social capital. Second, I examine how resilience evolves with exposure to shocks, whether repeated shocks build adaptive capacity or begin to erode resilience beyond a threshold, and third, whether idiosyncratic and covariate shocks have distinct effects. My findings underscore the need for policy to move beyond one-size-fits-all support toward shock-responsive, targeted interventions that strengthen key capabilities early and tailor assistance to the type and intensity of shocks households face.