Ms. Sandhya Shrestha is a seasoned banking professional with over 27 years of experience in Nepal’s commercial banking sector, with deep expertise in credit and risk management, corporate banking, SME and retail banking, and project finance. As Advisor – Banking at Udyamsheel, she brings extensive institutional insight and strategic perspective to enterprise finance, banking advisory and capacity building. She has led the development of comprehensive risk management systems and counterparty risk-rating frameworks and is a certified financial literacy trainer, contributing her expertise to strengthen responsible and sustainable financial practices.