Harish Chaudhary

Highly seasoned Microfinance professional with over 15+ years of extensive experience in the financial services sector. Demonstrated expertise in operational management, divisional strategy, and high-performance team leadership across prominent microfinance institutions. Proven track record of navigating complex regulatory landscapes, driving absolute credit discipline, mitigating portfolio risks, and consistently achieving growth targets in diverse, fast-paced environments.

Divisional Manager at Sindhuja Micro Finance (2024-01 – Present)

• Spearhead divisional operations, driving financial inclusion strategies and sustainable portfolio growth.
• Implement robust credit underwriting standards and risk mitigation practices across all assigned branches.
• Provide strategic leadership and continuous mentorship to branch managers to ensure operational excellence.

Divisional Manager at Arohan Micro Finance (2023-01 – 2024-12)

• Managed end-to-end regional operations, consistently meeting key performance metrics and disbursement targets.
• Monitored regional portfolio health by deploying proactive early warning delinquency controls.
• Fostered compliance culture, executing periodic internal audits and operational assessments.

Divisional Manager at Fusion Microfinance (2022-01 – 2023-12)

• Led and oversaw regional branch networks, maximizing operational efficiency and team productivity.
• Implemented advanced monitoring techniques to ensure compliance, transparency, and process optimization.
• Enhanced risk management protocols, keeping credit delinquency exceptionally low.

Divisional Manager at Muthoot Microfin Limited (2018-01 – 2022-12)

• Optimized resource allocation and corporate strategy across divisions, significantly improving branch profitability.
• Facilitated effective training programs for field staff on client identification, group formation, and loan products.
• Successfully managed high-volume loan disbursement cycles while maintaining low delinquency rates.
• Conducted frequent field visits and surprise audits to ensure strict procedural compliance.

Branch Manager / FCA at Share Microfin Limited (2009-01 – 2018-12)

• Managed end-to-end branch operations, serving as the core driving force for local portfolio management.
• Coordinated branch fund requirements ensuring seamless, on-time disbursement schedules.
• Trained over 50+ staff members on credit product administration, group dynamics, and organizational compliance.
• Minimized delinquency rates through continuous credit monitoring and robust client relationship building.

D.El.Ed – SLD Mathura (2020-12)

PGDYO – SLD Mathura (2019-12)

B.Sc in PCM – Agra University (2017-12)

B.Sc in ZBC – Agra University (2005-12)

12th (Intermediate) – UP Board (2001-12)

10th (High School) – UP Board (1998-12)