Fletcher Chilumpha is leading a technical team implementing a rural finance and an ultra-poor graduation initiative, the Malawi FARMSE programme, financed by IFAD. Prior to joining FARMSE, Fletcher worked as Programme Manager for UNCDF and UNDP on a joint initiative aimed at creating an inclusive financial sector in Malawi. Fletcher’s main areas of expertise include digital financial services, payments digitization, financial sector policy and financial inclusion in general. He holds a masters’ degrees in Banking and Finance from Bangor University, UK.