Emilio Hernandez leads CGAP’s work on financial innovation for smallholder families. He provides technical guidance to better understand the financial behavior of smallholders in order to experiment innovative strategies, processes and products with financial service providers and other partners to adequately serve this large clientele segment in a sustainable manner. Prior to CGAP, Emilio led technical cooperation programs focused on inclusive rural and agricultural finance at the Food and Agriculture Organization of the UN overseeing field interventions in Latin America, Africa and Asia. He was also responsible for business operations at a large international agricultural technology company throughout Central America. Emilio has been recognized for defining and implementing good policy practices in developing countries to create effective partnerships between agricultural enterprises and financial service providers to deliver diverse financial services to smallholder families and the rural actors they engage with. He holds a Ph.D. in Agricultural Economics and Development Finance from The Ohio State University.