Nipun Bhatia,COO

With nearly three decades of experience in Strategic Planning, Business & Manpower Leadership, Risk Management, Budgeting & Forecasting, Financial
Management, M&As, Treasury Management, Corporate/Financial Governance, F&A, Operations, Taxation and Audits, and a PGDM (MBA) in Finance & Economics from IIM Ahmedabad, Nipun is also a qualified chartered accountant who moves to Arohan from Bank of Bhutan, where he was posted as 
Chief Financial Officer in Thimphu, Bhutan. He brings with him proven expertise in improving business operations, impacting business growth and 
maximising profits through efficient management and effective controls, driving business, using operating and capital budgets, anchoring M&A deals 
and raising debt, and investment processes -- encompassing fund-raising, cost management and financial feasibility.

Milind Nare,Senior Vice President, CFO

Milind Nare is the Chief Financial Officer at Arohan. He is a finance  professional with over two decades of experience spanning the  entire gamut of finance. Apart from being part of the senior  management team to drive the company, he is directly responsible  for Financial Management, Treasury Management, Audit &  Taxation, Regulatory Compliance, Legal and Secretarial verticals

His role includes liaising with all external Stakeholders such as  investors, bankers, merchant bankers, credit rating agencies, and  auditors.

Prior to joining Arohan, Milind was CFO at India Factoring & Financial Solutions Pvt Ltd, where he held several leadership positions, looking after Strategic Initiatives, Financial Planning, Treasury, Taxation, Investor Relations, and Business Finance. He also had successful stints 

with organizations such as Global Trade Finance Pvt Ltd, The Bombay Dyeing & Manufacturing Company Ltd, Associated Capsules, L&T Capital Ltd and Savant & Co.

Milind is a Commerce graduate from Bhavan’s College, Mumbai, and has a Masters degree in Financial Management from Pondicherry University.

Harsh Patnaik,Senior Vice President - Cross Sell

Harsh Patnaik has joined us as Senior Vice President handling the critical cross sell, partnerships and alliances function in the operations department at Arohan. Harsh has over 22 years of work experience and joins us from Sahaj e-Village, where he was SVP for strategy and business development. He has been associated with Reliance Retail, ITC Limited, IFFCO Tokio General Insurance, Action Aid, TTK Pharma and Britannia Industries, has a BA in Economics from Ravenshaw College, Cuttack, and a PGDRM from IRMA, Anand.

Prashant Rai,Assistant Vice President - HR, Admin, Training & CSR

Prashant has wide experience of more than 13 years handling senior roles both in business HR and also as a functional specialist. Previous to Arohan he was heading Learning and Development, Leadership Development and CSR at Tata Voltas. His previous assignments were with Srei Infrastructure Finance Ltd., Wacker Chemi AG and Videocon Industries Ltd. He has significantly contributed in areas like Strategic HR, Leadership Development, learning and development and talent management. He was instrumental in successfully establishing and operating skilling Centers and Leadership Academies in his career.

Prashant is a Graduate in Mathematics with a Post Graduate in science from SM University and holds a PGBDM in HR. He is a certified PPA & GIA assessor from Thomas International. He also holds a certification in Growth Leadership from Korn-Ferry International and a Certification in Competency mapping and Business English Communication from Cambridge University.

Anant Natu,Assistant Vice President - Operations

Anant is leading the Central Operations team at Arohan that is the nerve centre of Arohan’s operations- anchoring policy formulations for product and processes, business planning, MIS, stakeholder management, and customer engagement. Anant has ten years of experience in development and financial sectors across Funding, Consulting & Retail entities bringing on board expertise in building nascent practice groups, project management, business strategy and product development. He was previously leading the Private Sector Development (PSD) domain at MicroSave in Delhi, driving its consulting business in Value-chains, Energy and Environment. In consulting role, Anant has worked with over 60 institutions that includes banks, MFIs, Corporate, farmer/producer organisations, multilateral agencies, and social investment funds; across South Asia, South-east Asia and Africa. Prior to that, Anant was a Manager at ICICI Bank’s Social Initiative Group in Chennai.
Anant is a rural management graduate from the Institute of Rural Management Anand (IRMA).

Abin Mukhopadhyay,Assistant Vice President - Internal Audit

Abin joined Arohan in July'2015 and heads the Internal Audit function . He has over 14 years of experience in Internal Audit, Management Accounting, Corporate Accounts  and Treasury. He has worked in various organizations like Eveready Industries Ind. Limited, ITC Limited, Colgate Palmolive India Limited & Hindustan Motors. Before Arohan he was with Gumasol Rubber Tech Gmbh, Germany, where he was responsible for overall process improvement, internal audit and ERP implementation.


Abin is a Chartered Accountant ,CMA(UK) and Certified Information System Auditor(USA).

Shraddha Srimal,Assistant Vice President - Strategy & Risk

Shraddha heads the Strategy and the Risk verticals at Arohan. In her last assignment she was working as a Manager in Deloitte’s Strategy & Operations Consulting practice. She has work experience of almost nine years.

Shraddha is a Mathematics (Hons) graduate from St. Xavier’s College, Calcutta. She also holds a PGDM from the Indian Institute of Management, Indore.

Arvind Murarka,Assistant Vice President - IT & Hubs

Arvind Murarka heads the IT function at Arohan.

Arvind  is an MBA (Specialisation in IT). He has over 20 years of extensive experience in the field of Information Technology. He has worked in various organizations like GPT Infraprojects, Medica Hospitals, Intrasoft Technologies Limited, iNavigators, Softweb Technologies and Kris Systems. His last stint was with Amrit Feeds as Head-IT.

Joyanta Bakali,Assistant Vice President - ZBH, Zone-1

Joyanta has over 20 years of experience and is a veteran of the microfinance industry, having started his career in 1996 at the field level with Shakti Foundation for Disadvantaged Women, the fifth largest microfinance institution in Bangladesh. He joined Arohan in July 2007 in the business vertical and rose to a senior managerial position as a result of his capability in leading an efficient product distribution team and in handling field crises. He was appointed Zonal Business Head of Zone 1 in May 2016. He has shown his abilities in launching a new product in the sector for Bazaar customers. Over the last decade at Arohan, he has managed the largest share of the business portfolio by developing an efficient team of field personnel. Joyanta has an M.Com, and a PGDBM from IMT Ghaziabad.

Amaresh Das,General manager, Operations (Assam)

Amaresh has over 7 years of experience in Microfinance. Before joining Arohan he was heading one of the largest territories at SKS Microfinance - in West Bengal.

Amaresh is a Master in Science (Botany) from Utkal University, Odisha. Additionally he holds a MBA (Agri-Business Management) degree from Utkal University, Orissa which he completed in 2008.


Vinod Pandey,General manager, Operations (Bihar)

Vinod has over 12 years of experience in sectors like microfinance and insurance. Prior to joining Arohan, Vinod was heading the state chapter of L&T Microfinance in West Bengal.

Vinod is a Bachelor of Arts from Ranchi University, Jamshedpur. He also holds a Post Graduate Diploma in Rural Development fromm Xavier Institute of Social Services, Ranchi. Vinod has successfully completed an Advance Diploma in Business Management from ICFAI University in 2009.

Santanu Sen,General Manager, Funding

Santanu has over 39 years of working experience and is the currently the General Manager of funding at Arohan.

Santanu started his working career with Bhilai Engineering Corporation and then moved in to Bank of Cochin Ltd, which was amalgamated with State Bank of India in 1985. After beginning as a Field officer, Santanu was very soon promoted to a Managerial position in the Personal Banking Department. He was extremely successful during his stints as coordinator and Project Coordinator with the SBI.

He started his career in Microfinance as Manager (Operations) with Village Welfare Society from where he moved to South Asia Research Society, a NGO MFI as Project Director. Santanu's next major association was with Bandhan, as a senior management personnel. He then worked as the Head of Administration and Public Relations in Village Group of organizations, one of the pioneering Micro Finance Institution in Eastern India reporting directly to the CEO.

From April 2008 onwards, he started working as a consultant, and was associated with more than one organization. He joined Arohan in May 2013. Santanu graduated in Commerce from Kalyan Arts and Commerce College, Bhilai, under Ravishanker University, Raipur, Chhattisgarh and is a qualified C.A.I.I.B.

Debarshi Chaudhuri,General Manager, Accounts

Debarshi has over 17 years of working experience in Finance, Accounts, Taxation, Audit, MIS, Commercial, Budgeting and Statutory Compliances in NBFC, Infrastructure, FMCG, Engineering, Telecom and Pharmaceutical and is currently the General Manager of Accounts at Arohan.

Debarshi has worked with SREI Infrastructure Finance Limited; JK Files (India) Limited (Raymond Group Company), Amrit Group,  BPL Telecom Private Ltd,  Stadmed Private Limited and Ray & Ray (a Chartered Accountant Firm).His last assignment was with SREI as AVP –Accounts & Finance.

Debarshi joined Arohan in January 2015. He handles Accounts, Audit, MIS, Budget, Fund Management and Taxation. Debarshi is a Chartered Accountant from The Institute of Chartered Accountant of India (ICAI) and he has also completed the PGDBA in Finance from Symbiosis, Pune.

Susanta Kumar Behera,General Manager, Operations (Odisha)

Susanta Kumar Behera joined Arohan as General Manager Operations in 2015 and is responsible for the Odisha operations.                              

Susanta has a Post Graduate Diploma in agri business & rural development and is a Masters in Agricultural Economics from Orissa University of Agriculture & Technology. He has over 19 years of work experience in the development sector and has worked for organizations like Sa – Dhan, Jagruti, BASIX’s & Fullerton. He has also worked on various projects under the United Nations Development Program.


Richel Tshering La,General Manager, Credit

Richel Tshering La is a Banking and Financial Services professional with over 11 years of experience in credit, sales and debt service. Erudite in Small and Medium Enterprises funding, he currently heads Pragati- a micro-enterprise credit product at Arohan.

Richel started his career with BPCL in dealer channel sales handling the sales and marketing activities before moving on to banking. He joined ICICI Bank in 2005 as solution manager. He was with ICICI Bank for 9 years in the Credit vertical handling various roles in credit and debt service functions including pre approved overdraft and unsecured loans for small and medium enterprise, auto loan and home loan.

Richel graduated with a Bsc in Mathematics from Jadavpur University, Kolkata and holds a PGDBM from Indian Institute of Management, Bangalore (IIM-B).

Tamal Chakraborty,Assistant General Manager, Operations (Jharkhand)

Tamal Chakraborty joined Arohan as Assistant General Manager Operations in 2015 and is responsible for the Jharkhand operations.


Tamal did his Masters in Sociology and has over 9 years of work experience in the microfinance sector with organizations like Bandhan and HDFC.