A law graduate and fellow of The Institute of Chartered Accountants of India since 1984, Mr. Harvinder Pal Singh has over three decades of microfinance experience to his credit and is responsible for pioneering the unique concept of daily collection of repayments of loans. Aside being an expert in lending, particularly in the microfinance field, Mr. Singh has a wealth of experience across auditing, accounts, project financing, advisory services and company law matters. Mr. Singh also participated in Harvard Business School’s Accion Program on Strategic Leadership for Microfinance in 2009, as well as the leadership program organized by Women’s World Banking at Wharton Business School, University of Pennsylvania in 2011. Aside from serving on the TSL board of directors, Mr. Singh is also the Chairman and Managing Director of Satin Creditcare Network Limited (SCNL), one of India’s leading microfinance institutions.