Amrita Das Mohapatra, Deputy Credit Head, Arohan My journey with Arohan has been both unique and deeply fulfilling. I first joined the organisation in 2007, when it was still in its infancy. Back then, I was part of a small operations team of just three people, working closely under the leadership of the then Operations Manager - effectively the Business Head. Our mission was simple yet ambitious: expand the business by opening new branches and ensuring smooth on-ground operations. Over the years, I’ve had the opportunity to contribute across multiple functions—process design, training, internal controls, and now credit. Today, as Deputy Credit Head, I lead a dedicated team focused on developing credit policies that balance growth with strong risk management, ensuring compliance with RBI and industry standards. What sets Arohan apart is its strong culture of transparency and collaboration. Open communication flows both ways here—from leadership to teams and vice versa—through platforms like town halls, committee meetings, and team reviews. I’ve also benefitted from the Company’s structured learning programmes and leadership development opportunities that have helped me understand my strengths, work on my weaknesses, and grow as a professional. The microfinance landscape is evolving rapidly, with increased regulatory scrutiny and a growing reliance on data and technology. Yet, given the realities of our customer base - primarily low-income households - standardised data remains limited, and on-ground verification continues to be essential. This makes our work challenging, but also incredibly meaningful. To those looking to build a career in microfinance: it’s a field filled with complexity, but also opportunity. It teaches you to be agile, thoughtful, and impactdriven. If you’re ready to embrace change and take on meaningful challenges, there’s no better place to be. Being part of Arohan means being part of a purposedriven organisation that truly values fair practices and financial inclusion. It’s a space where you can grow professionally while contributing to the lives of people who need access to financial services the most. I feel proud of the work we do and the values we uphold Management Discussion & Analysis | 76 Annual Report | 2024-2025
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