Kritika is a Manager in the Government and Social Impact—Digital Financial Services domain of MSC India. She is a development consultant with over seven years of experience in the field.

Kritika has experience of working with the central government, state governments, think tanks, academic institutions, financial institutions, and  multilateral and bi-lateral donor agencies. She has implemented projects in product development, market research, behavioral economics, risk management and digital financial services in India. Her work involves improving public policy choices through evidence based, bottom up, and human centered approach. She specializes in G2P programs and payment systems, digital financial services, livelihood, market research, impact evaluation, program and policy analysis, project management, value chains assessment, training development and delivery, pilot planning, financial and rural sector development.