Report: The costs of using Buy Now, Pay Later (BNPL) products

Dr. Indradeep Ghosh

Executive Director

Dr. Indradeep Ghosh is the Executive Director of Dvara Research. He has a PhD from MIT, an MA from Cambridge University (where he won the Adam Smith Prize given to the top graduating student in the university), and a BA from St. Stephen’s College, all in Economics. After graduating from MIT, Dr. Ghosh pursued an academic career for more than a decade, first at Haverford College in Philadelphia, Pennsylvania, and then at the Meghnad Desai Academy of Economics in Mumbai, India. At Dvara Research, he works with the Board to drive its research agenda and leads research priorities in coordination with the practice heads.

Dr. Ghosh brings an interdisciplinary orientation to understanding and solving the problems of financial inclusion and social protection in India, and an enthusiasm for co-creating solutions in a style of constructive engagement with other research organizations, academic researchers, and practitioners (financial service providers, civil society organizations, social enterprises, and non-profits). Dr. Ghosh also interfaces regularly with policymakers and regulators to advocate for sensible pro-poor financial inclusion and social protection policies. In 2020, Dr. Ghosh led the drafting team for the Social Stock Exchange report (by SEBI’s Working Group), and in 2021, Dr. Ghosh served on the Insolvency & Bankruptcy Board of India’s Research Guidance Group. He continues to occasionally publish in peer-reviewed journals such as the Economic & Political Weekly (see here, under Special Articles) and the Journal of Cultural Economy (see here). In his latest paper, Indradeep and co-authors document a set of interesting relationships between household-level economic behaviour and the macroeconomy in India.