Audrey Misquith is a digital financial services expert at the United Nations Capital Development Fund (UNCDF) and a senior consultant at Amarante Consulting, based out of Kathmandu, Nepal. Her work focuses on designing financial products and services for customers at the last mile. This includes close coordination with the private sector to develop and de-risk innovative business models. Prior to UNCDF, Audrey consulted on a variety of projects in the food security, education and agriculture domains with organizations including the World Food Programme, Plan International, and the Malala Fund. Before undertaking consulting assignments, she served as a credit manager at India’s largest commercial bank, the State Bank of India, where she gained expertise in micro, small and medium enterprise (MSME) lending, value-chain finance, corporate finance, forex operations, digital banking, and retail financial services.