Acuité Ratings participated in the Sa-dhan National Conference 2018 held on September 19-20, 2018 in New Delhi. Our President, Suman Chowdhury participated in the session "BUILDING A CULTURE OF RESPONSIBLE LENDING” where the co-panelists included Mrs. Neena Jain, General Manager, RBI, Mrs. Kalpana Pandey, MD& CEO, CRIF Highmark and Mr. Mukul Jaiswal, MD, Cashpor Credit. The session was moderated by Mr. Manoj Sharma, Managing Director, MicroSave Asia. Mr. Chowdhury mentioned that while the regulatory framework for the microfinance sector has been significantly strengthened, the risks of overleveraging cannot be ignored. Both industry SROs and the players need to use portfolio analytics, now available from credit bureaus, effectively to identify any emerging risks in a particular area.