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Our Team

MFTransparency has team members based around the world. Our head office is a group based in the US that supports our team members working in the countries where we currently have projects underway. We are proud of the diversity of our team in terms of background and experience. We hope you enjoy taking a moment to get to know us.

The MicroFinance Transparency Team

Chuck Waterfield
Pennsylvania, USA

Chuck Waterfield has 25 years experience in microfinance, with a mixture of practical field experience (six years starting MFIs in both Haiti and Bolivia) and experience leading network strategy development (serving as microenterprise director for both MEDA and for CARE International). He developed Microfin, the most popular financial planning software in the microfinance industry and teaches business planning courses around the world, with more than 3,000 microfinance professionals having been trained in his courses. His current work as an independent consultant includes clients across the industry.

Currently on faculty of Columbia University School of International and Public Affairs, he was formerly on the faculty of the Boulder Microfinance Training Program for ten years and Southern New Hampshire University’s Microenterprise Development Institute for eight years. In addition to Microfin, he has a broad range of products and publications including the SEEP FRAME Tool, the CARE Credit and Savings Sourcebook, and CGAP Handbook on Management Information Systems. In 2008, he founded MicroFinance Transparency and works as the CEO.


Adrian-Dorsman-Photo-small1-230x300Adrian Dorsman
Advisor on Technology

Adrian provides advice and backstopping on system architecture and development for MFTransparency’s website and data collection and analysis platform. Prior to MFTransparency, Adrian was Vice President of Technology for Boulevards New Media, the leading provider of geodomain websites on the Internet, and CTO of SF Station, San Francisco’s premier city guide, which was purchased by Boulevards in 2005. With 14+ years of professional experience in media and technology companies, Adrian has also held hands on engineering positions at a number of startups and companies including CNET, CBS SportsLine, NBC Internet, Grand Central Communications, and more.


Carlos MinattiCarlos Minatti
Website Developer
Córdoba, Argentina

Carlos supervises project management, system architecture, and development activities for MFTransparency’s website and data collection and analysis platform. He is a Software Engineer with 10 years of experience in software development. He has a host of experience building web and Android applications, and always aims to deliver the best possible user experience. Carlos is passionate about Internet and communication technologies and the way they help people solve daily problems.


Begashaw Woldemichael
Pricing Data Manager
London, UK

Begashaw’s responsibilities include data collection, research and resources development. Prior to joining MFTransparency, Begashaw graduated with a Masters in Microfinance from State University of Bergamo in Italy. As part of this he completed an internship at the UN Food and Agricultural Organization where he supported the development of material for Rural Finance Learning Center. Begashaw’s professional experience includes helping setting up a guarantee fund and technical assistance project for microfinance in Ethiopia. Before joining this project, he was working with the National Bank of Ethiopia as Microfinance Supervisor. During this time, he was part of a number of on-site supervisory missions conducted on various microfinance institutions.


The MicroFinance Transparency Board of Directors

Tony Sheldon
New York, USA

Tony Sheldon is Executive Director of the Program on Social Enterprise and Lecturer in Economic Development at the Yale School of Management. Tony also works as an independent consultant; since 1990 he has worked with microfinance institutions in Africa, Asia, Latin America and Eastern Europe, primarily in the areas of financial management and business planning. He has also worked with several networks and funders, including the SEEP Network, the Ford Foundation, the World Bank, CGAP, ShoreBank International, and Women’s World Banking. He was on the faculty of the Boulder Microfinance Training Program from 1997 to 2006 and of Southern New Hampshire University’s Microenterprise Development Institute from 1999 to 2004. He is the author of several publications, including the CGAP “Handbook on Business Planning and Financial Modeling for MFIs” (with Chuck Waterfield), WWB’s “Principles and Practices of Financial Management,” and SEEP’s “Financial Ratio Analysis of MFIs” (with the SEEP Financial Services Working Group).


María Sara Jijón C.
Quito ,Ecuador

Maria Sara is an international consultant, legal counsel, trainer, and coach. Maria Sara is Board member and founder of the Ecuador Chapter of Women Advancing Microfinance, a network of professional women that works on gender, microfinance, and economic empowerment. She is founding member of Red Mujeres por el Ecuador, a network of professional and businesswomen, which mission is to advance the opportunities of women in Ecuador. She currently works on issues such as negotiation, deal making, conflict management, training, facilitation, and coaching, with her own consultancy firm, LexAnimi. With 20 years experience in the design, development and execution of rule of law and good governance programs and projects, Maria Sara’s areas of interest are banking and finance, economic development and social entrepreneurship, with a special focus on financial sector regulation, alternative finance and microfinance, and consumer protection within the financial industry. She holds an LLB from the Pontificia Universidad Católica del Ecuador (PUCE), and an LLM from Harvard University (HLS). Maria Sara has worked as Legal Counsel and Program Manager at IDLO, Rome-Italy; as In-House Counsel of ABN AMRO Bank N.V., Ecuador Branch; as Legal Advisor to the Vice-minister of Finance of Ecuador, within, and as Tax and Legal Consultant for Price Waterhouse & Co., in Quito. Along with her native Spanish, Maria Sara is fluent in English and Italian, and proficient in French.


Howard Brady
Washington, USA

Howard, a CPA and auditor, is President and CEO of MFI Resources, a microfinance investment fund. He became involved with microfinance in 1994 after six years in public accounting, in which he focused on helping organizations become more efficient and effective. Howard has transferred this experience to his work in the microfinance sector where he’s an expert in identifying efficiencies in MFIs, including benchmarking performance, internal audit and financial projections. He has worked for Global Partnerships and for Unitus, including work on their due diligence team.



Murray Gardiner
Toronto, Canada / Cape Town, South Africa

Murray Gardiner is the Manager of Microfinance and Community Banking at Temenos. Temenos is a multi-national
banking technology company with 700 commercial and 140 commercial microfinance bank clients in over 100 countries that are using the Temenos core banking software. Murray holds a Masters Degree from York University (Toronto Canada) in Cooperative Studies and Business. He has more than 25 years of experience with microfinance and community banking technology services as an entrepreneur, senior executive and manager. He also has direct operational and management experience in microfinance and community banking both advanced and emerging financial markets. Murray is a business and core banking technology expert in microfinance and community banking in emerging markets. He has recent business experience in more than 55 countries in Europe, North America and the emerging markets of Asia, Africa and Latin America.


Narasimhan Srinivasan
Maharashtra, India

Narasimhan Srinivasan has a Masters degree in Economics, professional certification in banking, and a certificate in training and development. He is deeply interested in development economics and development finance, especially rural finance, microfinance and livelihoods. Mr. Srinivasan has more than 30 years of involvement in financial sector in India, of which five years with the Central Bank (RBI) and 24 years with the Apex rural development bank (NABARD). He left NABARD from a senior position to take up consulting, which he did over the last two years in India and Vietnam providing services to World Bank, CGAP, IFAD, UNDP, UNOPS, ADB, GTZ, Microsave, Sir Ratan Tata Trust and Government of India. Mr. Srinivasan is involved in many significant initiatives in rural finance, institution development and strengthening, product development, training and capacity building, design, implementation and supervision of rural development projects of a wide variety and financing of rural infrastructure. He authored the State of the Sector Report on Microfinance in India (2008 – 2012) sponsored by Access Development Services and published by Sage and is currently engaged in authoring the report for 2010. In addition, Mr. Srinivasan has contributed chapters to edited volumes for three other books on microfinance and authored articles on rural development and rural finance for journals, newspapers and magazines. He presently serves on the governing boards of three development organisations, a company and advisory boards of two knowledge organisations.