Neeraj Lal is the Head of Strategic Initiatives at Arohan Financial Services Limited in Kolkata, India.

Neeraj leads the strategic initiatives at Arohan—an NBFC-MFI  headquartered in Kolkata that operates in 13 states. He has strengthened the microbanking vertical at ESAF SFB since its inception. Neeraj provided consulting and technical assistance to microfinance institutions on various functional areas while working with MSC. His areas of expertise are domain knowledge in microfinance, livelihood promotion, institutions development, quantitative and financial analysis, and commodity derivatives.