27 | Annual Report | 2024-2025 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 Poonawalla Fincorp Limited (formerly Magma Fincorp Limited) where he was AVP - Core Accounting. His previous work experience includes years at Birla Corporation Ltd and Ashok Leyland Finance Limited. Amit Sugandhi is the Head of IT of the Company. He did his MBA from IIM-Ahmedabad and M. Tech. from Rajiv Gandhi Proudyogiki Vishwavidyalaya. He is a seasoned professional with over 19 years of experience in Process Improvement, Delivery, Programme Management, Product Management and driving Customer Success. At Arohan, he is responsible for Design and Project Management of meraArohan and apnaArohan suite of mobile applications, management of the Core Banking System, and internal application development. Apart from these, he also oversees IT Infra, BI and Central Hub. Prior to joining the Company, he has worked with renowned organisations like IDFC FIRST Bank, Light Microfinance Pvt. Ltd. and Tata Consultancy Services Ltd. Vinod Pandey is Head of Central Operations 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 22 years of diverse experience in Microfinance Industry, Livelihood Development, Rural Marketing & Life Insurance. Prior to joining the Company, he has worked with reputed organisations such as International Development Enterprise (India), Max New York Life, Kotak Life, and L&T Finance. 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 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 Diploma in Business Management from IMT Ghaziabad. He is a microfinance veteran and has over 19 years of working experience in the sector. He is in charge of Circle 1, Arohan’s biggest Circle (portfolio, customer base wise). Manish Kumar is a Deputy Business Head of the Company. He has a Bachelor’s degree in Commerce with a specialisation 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 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 different states – Uttar Pradesh, Madhya Pradesh & Rajasthan Micro Enterprise Lending. Earlier, in Arohan he was the Zonal Business Head for Bihar & Jharkhand, handling a portfolio of over INR 1360 Cr. 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). Aman Arora is a Deputy Business Head of the Company. Aman has completed his Post Graduate Diploma in Rural Marketing from NMIMS, Mumbai. He is a seasoned professional with over 20 years of diverse experience in Strategy, Portfolio Management, GTM, Product Innovation, P&L & Change Management. Prior to joining the Company, he has worked with reputed organisations including RBL Finserv Limited, Hinduja Leyland Finance Ltd, Jana Small Finance Bank, Kotak Mahindra Bank, RBS N.V, Yes Bank and Standard Chartered Bank. Joyanta Bakali Manish Kumar Aman Arora Vinod Pandey Ketan Agrawal Amit Sugandhi
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