Having over 16 years of experience, Apsara is a sector specialist in the credit ratings related to financial sector companies, including insurance companies, non –banking financial institutions and primary dealers. Having come from a multi-disciplinary background, she has previously worked as an equity analyst, covering companies in the banking and diversified sectors. At Moody’s Analytics Knowledge Services, she supported the asset management division of a multinational bank and gained exposure to various investment vehicles including Mutual Funds and REITs. In addition, she has worked at the Institute of Policy Studies (IPS) in the International Trade Unit and Industry, Public Enterprise Reform and Regulatory Policy Unit as a research officer, and has written papers on the related topics. She has also worked at KPMG, Ford, Rhodes and Thornton, Colombo. Apsara holds a degree in Economics from the University of Kent, Canterbury, UK. She is currently a Level 3 candidate in the Chartered Financial Analyst (CFA) Programme.