Manish Kumar is a Deputy Business Head 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 19 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. At present he is responsible for business operations in three States – Uttar Pradesh, Madhya Pradesh & Rajasthan. Earlier, he was heading the Micro Enterprise Loan Business of Arohan. Prior to joining the Company, he was associated with renowned organisations such as Unity Small Finance Bank, Janalakshmi Financial Services Ltd, Population Services International (PSI), ACCESS Development Services (Access Assist) and BASIX (BSFL).