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Sharoni Pal is the Head of Credit & Process Control of the Company. She has completed her Engineering from Manipal Institute of Technology and is an MBA from S. P. Jain Institute of Management and Research, Mumbai. She is a seasoned professional with 25 years of rich and diverse experience in Banking and Financial Services. She is skilled in Process, Controls, and Client Servicing with experience across Micro Finance and Retail Banking. At Arohan, she is responsible for formulating credit policies for all businesses in Arohan, monitors portfolio quality and keeps the credit committee updated on all portfolio quality related developments. 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.