Subrat Kumar Pradhan

Key Responsibilities & Achievements:

• Credit Access & SHG Financing:
• Spearheaded the facilitation of ₹55,500 crore in bank credit to 5.5 lakh SHGs over 7 years, achieving 22% YoY growth.
• Increased the average SHG loan size from ₹1.01 lakh to ₹4.95 lakh while reducing loan NPAs from 14.05% to 0.72%.
• Disbursed ₹465 crore in seed capital to 3.1 lakh SHGs and ₹169 crore in revolving funds to 338 block-level federations.
• Policy Development & Program Strategy:
• Authored Standard Operating Procedures (SoPs) and implementation frameworks for SHG Bank Linkage programs across rural and urban regions.
• Developed guidelines for the State Interest Subvention Scheme enabling ₹1,225 crore in zero-interest loans to over 5 lakh SHGs via DBT.
• Launched and managed the Mission Shakti Scooter Yojana, disbursing ₹390 crore to 41,000 women SHG leaders and support staff.
• Digital Transformation & MIS Oversight:
• Conceptualized and maintained the Bank Linkage and Interest Subvention (BLIS) MIS Portal, enhancing real-time tracking of SHG loans and interest subvention settlements.
• Enabled digital onboarding of 780 SHG entrepreneurs under the MSME/UDYAM registration framework.
• Women Empowerment & BCA Engagement:
• Onboarded and trained 2,318 Women SHG members as Business Correspondent Agents (BCAs) across 6 major partner banks, expanding last-mile financial services in underserved regions.
• Stakeholder Coordination & Governance:
• Coordinated quarterly SLBC sub-committee meetings on SHG credit flow with RBI, NABARD, SIDBI, and banking partners to address policy and operational bottlenecks.
• Ensured timely submission of financial reports and utilization certificates through close collaboration with district and block-level stakeholders.
• Training, Monitoring & Field Operations:
• Led capacity-building programs for over 3,000 stakeholders including bankers, federation leaders, and field staff to promote SHG credit literacy and program awareness.
• Conducted regular field visits to monitor ground-level execution, ensure compliance, and improve implementation effectiveness.

· SHG Credit Linkage & Livelihood Financing:

o Facilitated ₹3,680 crore in credit linkages to 2.6 lakh SHGs, enabling micro-enterprises and livelihood diversification across rural regions.

o Oversaw the disbursement of ₹218 crore under Revolving Fund (RF) and Community Investment Support Fund (CISF), benefiting over 3.38 lakh rural households through targeted livelihood interventions.

o Promoted sustainable enterprise development, resulting in a 122% increase in household incomeacross participating communities.

· Policy Design & Financial Product Development:

o Designed and implemented policies for key community finance instruments such as RF, CISF, Vulnerability Reduction Fund (VRF), and customized loan products.

o Focused on prudent fund utilization, risk mitigation, and outcome-driven investment strategies to enhance livelihood resilience.

· Monitoring & MIS Implementation:

o Developed robust MIS tools and reporting formats to track fund utilization and impact metrics for CIF, RF, and livelihood-related investments.

o Ensured accurate and timely data submission to central and state governments, supporting evidence-based decision-making.

· Training, Capacity Building & Financial Literacy:

o Delivered microfinance training programs to district/block officials and community-level stakeholders on fund management and financial principles.

o Trained 165,500 SHG members on standardized book-keeping formats, significantly enhancing financial transparency and literacy.

o Developed and trained 852 Master Book Keepers and 27,583 community staff, ensuring effective book-keeping and fund accountability at grassroots levels.

· Operational Coordination & Field Oversight:

o Coordinated with district and block-level functionaries to ensure timely execution of community finance activities and SHG Bank Linkage operations.

o Conducted regular field visits to assess implementation fidelity, address bottlenecks, and provide technical guidance to local teams.

Key Achievements & Responsibilities:

· Strategic Program Implementation:

o Spearheaded the disbursement of ₹233 crore under the Pro Poor Inclusion Fund (PPIF), Revolving Fund (RF), and CIF to 47,374 SHGs and 1,010 GPLFs, enabling diversified livelihood interventions.

o Facilitated enterprise development for 68,220 SHGs, supporting firm and non-firm-based income-generating activities across rural Odisha.

· Financial Inclusion & Investment Planning:

o Led the development and implementation of Micro Investment Plans (MIPs) for over 5 lakh SHGs, aligning grassroots aspirations with structured investment frameworks.

o Provided technical and operational support to train 150 team members on MIP development, enhancing the quality of community investment planning.

· Insurance & Social Security:

o Played a key role in designing and rolling out the Odisha Aam Admi Bima Yojana (O-AABY), enrolling 7 lakh rural households in micro-insurance for risk mitigation and social protection.

· Reporting, MIS, and Compliance:

o Produced and submitted monthly analytical reports to state/national authorities and the World Bank, highlighting fund utilization, progress trends, and actionable recommendations.

o Conducted internal audits of 1,003 GPLFs/CBOs, ensuring transparency, accountability, and compliance with donor and government guidelines.

· Capacity Building & Team Leadership:

o Managed a 24-member implementation team in Angul district during FY 2012–13 and 2013–14, achieving 100% completion of time-bound deliverables.

o Delivered hands-on training to district and block officials on financial reporting, record-keeping, and policy implementation for field-level efficiency.

· Monitoring & Impact Assessment:

o Conducted field visits and impact assessments to evaluate fund utilization and outcomes on community-based organizations (CBOs).

o Monitored federation-wise fund performance, generating actionable insights to inform future investment strategies and improve delivery efficiency.

• Project & Team Leadership:
  Directed a 15-member field implementation team, including 3 Block Coordinators and 12 Cluster Coordinators, achieving 100% target delivery of key project milestones within time and quality benchmarks.
  Conducted regular field visits to ensure adherence to project guidelines, troubleshoot implementation challenges, and promote community engagement.
• Community Institution Development:
  Facilitated the formation and operational strengthening of 650 Women SHGs, 109 Cluster-Level Forums, and 11 Gram Panchayat Federations, empowering rural women and promoting participatory governance.
  Delivered capacity-building training to SHG and federation leaders, enhancing their understanding of organizational governance, roles, and financial management.
• Financial Inclusion & Credit Linkages:
  Enabled ₹1.48 crore in bank credit access for 210 SHGs, fostering entrepreneurship and increasing financial self-reliance among women-led groups.
  Introduced standardized bookkeeping systems and improved fund management practices within CBOs, enhancing transparency and audit-readiness.
• Youth Skill Development:
  Enrolled 620 rural youth into vocational training under DDU-GKY, supporting employability and sustainable livelihoods through skills-based empowerment.
• MIS & Reporting Oversight:
  Managed all Management Information System (MIS) operations, including data entry, validation, and real-time tracking of financial transactions and program activities at the block level.
  Compiled and submitted comprehensive progress reports to government authorities and project stakeholders, contributing to informed decision-making and policy refinement.
• Stakeholder Coordination & Knowledge Exchange:
  Organized cross-sectoral workshops, review meetings, and experience-sharing forums with PRIs, NGOs, CBOs, and block administration, fostering collaboration and promoting replicable best practices.

· Program Implementation & Monitoring:

o Successfully facilitated employment for 180 rural households under MGNREGA during FY 2008–09, contributing to livelihood security and rural asset creation.

o Conducted regular field visits to monitor the progress and quality of Panchayat-level development projects, ensuring timely execution and alignment with government guidelines.

· MIS Reporting & Compliance:

o Compiled and submitted monthly performance reports on MGNREGA and other flagship schemes to the district administration using the Management Information System (MIS), ensuring data integrity and timely compliance.

o Supported Block-level administration in the preparation of statutory reports, ensuring alignment with state and central government requirements.

· Community Engagement & Governance Strengthening:

o Organized and documented 18 Palli Sabha and 2 Gram Sabha meetings in compliance with statutory norms, promoting transparency, local participation, and grassroots planning.

o Conducted capacity-building sessions for Panchayati Raj Institution (PRI)members on rural governance practices, empowering local leaders to drive development initiatives effectively.

· Welfare Scheme Facilitation:

o Conducted a comprehensive beneficiary survey for 17 households under the Indira Awas Yojana (IAY), ensuring accurate identification for housing scheme benefits.

· Public Distribution System (PDS) Management:

Managed PDS operations as Centre In-Charge, overseeing the distribution of essential supplies across 8 distribution points covering 2 Gram Panchayats, ensuring accurate and equitable access for all beneficiaries.