Dwijaraj manages the research at the Financial Systems Design Initiative. His research focuses on households’ access to credit and impediments therein. His research interests include the legislative and regulatory frameworks governing providers, regulators and other entities in the financial sector. His work also focuses on personal insolvency and bankruptcy.
Dwijaraj holds a Master’s degree in Public Policy from the National Law School of India University, Bangalore and a Bachelor’s degree in Chemistry from Delhi University. He has previously worked in various capacities across several corporate entities, international non-profits, and NGOs.