Dwijaraj is a Research Associate in the Financial Systems Design initiative. His research focuses on the household’s access to credit and impediments therein. His research interests include the study of the intersectionality of various financial institutions and prudential banking norms. He has a Master’s degree in Public Policy from National Law School of India University, Bangalore. He also holds a Bachelor’s degree in Chemistry from Delhi University. He has previously worked in various capacities with Zomato, Mastech Inc and Yuva Parivartan (an NGO focused on skill development for the urban underprivileged). He has cross-sectoral policy experience through various long-term internships that he pursued during his MPP, including energy economics at Centre for Study of Science, Technology and Policy (CSTEP) and health economics at Clinton Health Access Initiative (CHAI).