27 | Annual Report 2023-24 Cross Sell Business Vertical and managing Customer Insights. Prior to joining the Company, she was associated with renowned organisations such as ITC Classic Finance Ltd, Citibank, The Royal Bank of Scotland plc, DBS Bank. In her previous role, she was associated with RBL Finserve Ltd as Head of Operations. Diploma in Business Management from IMT Ghaziabad. He is a microfinance veteran and has over 18 years of working experience in the sector. He is in charge of Circle 1, Arohan’s biggest Circle (portfolio, customer base wise). Vinod Pandey is Deputy Business Head and has been associated with the Company since August 2015. Vinod has completed his Post Graduate Diploma in Rural Management from XISS, Ranchi, and Advance Diploma in Business Management, ICFAI. He is a seasoned professional with 21 years of diverse experience in Microfinance Industry, Livelihood Development, Rural Marketing & Life Insurance. Prior to joining the Company, he has worked with reputed organizations such as International Development Enterprise (India), Max New York Life, Kotak Life and L&T Finance. Abhiroop Chatterjee is Deputy Business Head for Arohan’s Business in Southern and Western India and has been associated with the Company since September 2023. He has completed his Post Graduate Diploma in Rural Management from XIM, Bhubaneshwar along with Certifications in Strategic Risk Management in Microfinance from Boulder Institute & IFC and Leadership in Inclusive Finance from Harvard Business School. He is a seasoned professional with over 15 years of rich experience in the Microfinance Industry, Banking, Fintech, and SaaS business. Prior to joining the Company, he worked with reputed organisations such as Ujjivan Small Finance Bank & Pagar Book. Manish Kumar is the Head of the Micro Enterprise Loan Business of the Company. He has a Bachelor’s degree in Commerce with a specialization in Accounts from Ranchi University and has completed his Masters in Rural Management from Xavier Institute of Development Action & Studies (XIDAS), RDVV, Jabalpur. He has also completed a Certificate Course on Community-Based Microfinance from Coady International Institute, St. Francis Xavier University, Antigonish, Canada. He is a seasoned professional with over 18 years of experience across Microfinance Operations, Financial Inclusion, Product Financing, Training & Capacity Building, Institutional Development, and Research. At Arohan, he is responsible for managing the business vertical of Micro Enterprise Lending. Earlier, in Arohan he was the Zonal Business Head for Bihar & Jharkhand, handling a portfolio of over Ketan Agrawal is the Head of Accounts and has been associated with the Company since June 2018. Ketan is a Chartered Accountant with Information & System Auditor. He has over 20 years of experience in the field of Corporate Accounting. Ketan has in-depth knowledge and expertise in Corporate, Business, Banking & Receivable Accounting and RBI Compliances. He joins us from Magma Fincorp Limited where he was AVP - Core Accounting, His previous work experience includes years at Tulip Telecom Private Limited, Birla Corporation Ltd and Ashok Leyland Finance Limited. Reema Mukherjee is the Head of Digital Growth at Arohan and has been associated with the Company since March 2020. She holds a Post Graduate Diploma in Management (P.G.D.M.) from the Indian Institute of Management, Bangalore and Bachelor of Technology (B.Tech.) degree in Computer Science and Engineering from West Bengal University of Technology. She has varied work experience across business, strategy, operations, finance and business development across multiple industries. At Arohan, she is responsible forArohanPrivilege, the Digital Lending offering for our customers at Arohan - the first of its kind in the Indian microfinance industry pan India. With the help of her team, she has grown the ArohanPrivilege portfolio to serve more than 30,000 active customers as of March 2024. Prior to joining Arohan, she has worked with Amazon Web Services and Ingram Micro, both based out of the US. She has also worked with Barclays Investment Bank (previously Barclays Capital) in Hong Kong, Asia, as well as Dhandho Holdings, Vellvette Lifestyle (parent company of Sugar Cosmetics), and Hitachi Data Systems (as a consultant) in various locations across India. Joyanta Bakali is a Deputy Business Head and currently handles the largest portfolio in Arohan, supervising operations for Zone 2 of Bihar, Zone 3 of Assam, Tripura & Meghalaya, and Zone 4 of Odisha, Chhattisgarh and, Zone 8 of Jharkhand and some part of Bengal, Arohan’s operational geographies and has been associated with the Company since June 2007. Joyanta holds a Post Graduate Ketan Agrawal Vinod Pandey Abhiroop Chatterjee Manish Kumar Reema Mukherjee Joyanta Bakali
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