Steady Hands behind Every Systems, controls, and processes for sustainable growth At Arohan, quality is more than a benchmark, it is the foundation of customer trust and sustainable progress. Guided by the three pillars of Credit Underwriting, Risk Management, and Internal Audit, we ensure that every decision, process, and product is built on integrity, transparency, and customer protection. Our robust quality framework helps balance growth with responsibility, safeguarding portfolio health while delivering fair and reliable financial services. By strengthening controls, managing risks, and ensuring compliance across operations, we create a secure environment that enables customers to move forward with confidence and build a stronger financial future. CREDIT Arohan’s Credit Team is committed to minimizing credit risk while ensuring sound decision-making in loan origination. Our Credit function has two sub-verticals, organic credit and inorganic credit. These credit verticals manage the credit quality of our diversified business model. Organic Credit Our organic credit function focuses on minimizing the probability of default through well-structured credit underwriting policies, processes, and strategic interventions, which are categorized into three main components, namely, credit policy formulation, credit administration and credit underwriting. 1. Credit Policy Formulation We create guiding principles that balance our business growth aspirations with our risk appetite. Policies operate on three levels: Customer, Market or Branch, and Product. At the customer level, we assess borrowers’ repayment capacity by examining household income, expenses, existing obligations, credit history, and past behaviour, adhering to RBI guidelines and our internal benchmarks. Step Forward Management Discussion & Analysis
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