Disha Kheterpal is a contributor to the International Security Observer. Disha is an economist based out of India, currently working in Mumbai at the Economic Research Department of State Bank of India. She works on macro-economic analysis of India and other countries. Prior to this she worked as an economist in New Delhi at TAC Economics, a leading European Macroeconomic and Financial Research Consultancy, where she worked on emerging market economies’ country risk. She holds a Masters of Economics from Centre of Economic Studies and Planning, Jawaharlal Nehru University and a Bachelor’s degree in Economics from Delhi University. She is fluent in English and Hindi.