Bibhor Kayastha

Financial Inclusion Consultant; Management Consultant; Entrepreneur

I have over 10 years of experience in International Development and Management Consulting industries across various specialties. I have a proven track record of designing, fund-raising and leading a number of projects successfully in the sectors of financial inclusion, enterprise development, and humanitarian assistance. I have also assisted a number of Banks and Financial Institutions for market research, project designing, product development and promotional activities. I have been designing and delivering financial literacy training since 2011 and have conducted numerous sessions all across Nepal and abroad. I am also the Co-founder/Chairperson of Aria Group Nepal that provides IT, management consulting and branding related services. Aria Group Nepal has recently introduced Sampatti platform to widely spread the skills, knowledge and positive attitude toward personal finance management whilst also providing digital tools to easily manage personal finances. Follow me on LinkedIn: Visit our website:

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May ’19 onwards – Founder / Executive Director, Aria Solutions Pvt. Ltd., Kathmandu, Nepal

                                 Co-Founder / Chairperson, Aria Technologies Pvt. Ltd., Kathmandu, Nepal

•        UNCDF Agri-tech Innovation Challenge fund 2019 winner for Mizani, agri-lending system.

•        Developing credit-scoring software for Muktinath Bikas Bank.

•        Project consultant of Prabhu Bank for designing and implementing UKaid SEEP Challenge Fund.

•        Cash and Voucher Assistance Technical Consultant for Mercy Corps’ Resilience Plus Project.

•        Developed financial literacy and management training modules for KfW funded SEDRA project.

•        Developed MunshiG - digital cashbook and training modules – World Bank / TAF funded.

•        Technical Assistance to Mero Microfinance to review and revise loan product portfolio.

•        Technical Assistance to Label Step to conduct carpet weavers’ need assessment in Sarlahi district.

•        Branding and marketing of Qbex School Management System.

•        Developed Sampatti – a digital financial literacy system.

Jul ’16 to Apr ‘19 – National Technical Consultant, ACCESS Advisory Inc., Kathmandu, Nepal

•        Mobilized $8.9 million equivalent of remittances in savings and investment – promoted through financial literacy in Nepal, Malaysia and South Korea under IFAD funded project.

•        Conducted scoping study in Pakistan and UAE for replicating IFAD’s remittance project.

•        Technical Assistance to 4 MFIs to research and design financial products, and implement training activities under UNCDF and NRB’s UNNATI A2F project.

•        Technical Assistance to Prabhu Bank for project designing and successful bidding of DFID funded Sakchyam Challenge Fund managed by Louis Berger.

•        Technical Assistance to Mott MacDonald for DFID funded Purnima Project’s Access to Finance.

•        Cash Transfer Programme Expert for mid-term reviewing of Oxfam’s CTP

Mar to Jun ‘16 – Cash Operations Coordinator, Oxfam, Kathmandu, Nepal

•        Supervised the process and management of $6 million Cash Transfer Program (CTP).

•        Took lead in specifying and selecting cash transfer mechanisms, instruments, payment schedules and managing private sector partners.

Jul ’15 to Feb ’16 – Project Team Leader, Oxfam, Sindhupalchowk, Nepal

•        Led a multi-donor funded $4 million humanitarian response project.

•        Developed district’s Emergency Food Security and Vulnerable Livelihoods project strategy

•        Ensured strategic alignment and coordination with government and other agencies.

•        Led the transition strategy drafting process of district’s Food Security Cluster.

•        Co-chaired district level Cash Working Group.

Dec ’10 - Jun ’15 – Intern, Programme Officer, Oxfam, Kathmandu, Nepal

•        Designed, fund raised and managed “Safer Remittances and Improved Livelihoods” project

•        Developed financial literacy training module and remittance based bundled financial products.

•        Managed private sector partnership with 2 commercial banks and 2 MTOs.

•        Worked extensively to develop programme strategies and theory of changes.

Current Affiliations

Aria Solutions Pvt. Ltd.

Aria Technologies Pvt. Ltd.

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