Sanjay  Kalpage is a Senior Financial Specialist with IFC’s Financial Institutions Group (FIG) Advisory team in Africa, where he co-leads the Banking Advisory Services Practice Group for the region. He is based in Nairobi, Kenya, and provides technical expertise on SME banking and risk management to financial institutions throughout the continent.  He joined IFC in 2014. Sanjay has over 20 years of experience in the consulting and banking industries. Prior to joining IFC he was a Director at Standard Chartered Bank where he worked in the Bank’s Singapore and London offices in a variety of roles in strategy, corporate banking, and corporate management. Previously, Sanjay was a management consultant with McKinsey & Company, where his clients included a range of financial institutions and governments in both developed and developing countries.