Kshama is the CEO of Northern Arc Capital and its founding Chief Risk Officer. Over the last decade, she has been closely involved in setting up the business and taking it to scale. Kshama has an MBA, a Ph.D. in Finance, and is a GARP certified Financial Risk Manager. Prior to joining Northern Arc, she was the Head of the Finance Department at the Goa Institute of Management. She has been a member of several committees set up by the Government of India related to capital markets as well as financial inclusion, and has extensive experience across policy, financial advisory, consulting, and academia. Kshama is an avid biker, sky diver, sailor, trekker and mountaineer.