Barun Kumar Email & Phone Number

Professional having experience of 2+ years in credit vertical in lending industry I have honed my skills in various facets of the industry. My current role at Fusion Microfinance Limited as a Business Credit Manager (BCM) involves managing MSME Secured Business a Hypothecation loans. My responsibilities include:Underwriting: Expertly evaluating Loan Against Property (LAP) and Hypothecation cases for selfemployed non-professionals, with a cap of INR 15 lakhs.Credit Management Information System (MIS): Diligently maintaining and monitoring credit MIS,ensuring timely follow-ups on all initiated cases.Case Presentation: Articulating mortgage cases coherently, aligning with the bank’s policy framework.Team Coordination: Bridging credit and sales teams to streamline business processes and address customer inquiries effectively.Credit Analysis: Providing credit recommendations for underwriting Hypothecation, Loans AgainstProperty, and Convergence cases.Customer Assessment: Conducting in-depth personal assessments alongside the Credit Manager to gauge customer profiles.Financial Analysis: Scrutinizing financial statements, including Trading, Profit & Loss accounts, andBalance Sheets for both individuals and corporations, while tracking repayment histories to determine funding eligibility.Approval and Sanctioning: Assessing files for approval and executing sanctions within the Perdix system for Hypothecation and LAP.Collateral Evaluation: Performing independent credit collateral visits and thorough reviews of property valuations and legal vetting reports, considering the properties proposed for mortgage.Documentation Verification: Ensuring all KYC, bank statements, and income documentation aremeticulously verified and compliant.This comprehensive experience has equipped me with a robust understanding of credit processes, enhancing my ability to contribute effectively to the financial sector