Mudita Kharat

An enthusiastic and strategic Trainer with a strong foundation in microfinance operations, committed to developing high-performing teams through structured training, field coaching, and performance monitoring. Adept at aligning learning initiatives with business goals, improving operational efficiency, and strengthening brand presence through community-driven activities.

Training Manager at Agora Microfinance India Ltd. (2023-10 – Present)

• Delivered onboarding & refresher training for field staff
• Trained teams on credit appraisal, collections & risk management
• Conducted branch visits for coaching & performance improvement
• Led brand building initiatives through community programs & client engagement
• Supported sourcing activities and increased customer awareness
• Improved productivity, portfolio quality, and compliance

Branch Manager at Agora Microfinance India Ltd. (2016-04 – 2021-10)

• Appraisals & Sanction, Team Handling, Time Management, Target Achievements, OD / PAR Follow-up, Business Plan achievements

Branch Manager at Agora Microfinance India Ltd. (2014-09 – 2016-03)

• Cash Handling, Pre-Follow-ups, Collections, Disbursements, PAR Follow-up & Client Relationship

Bachelor Program in Business Administration (BBA) in Business Administration – Rajiv Gandhi Institutes Of Management & Technology (2017-04)

HSC – The Board of Maharashtra (2009-03)

SSC – The Board of Maharashtra (2007-03)