Awadhesh Kumar

Results-oriented Banking & Finance professional with over 3 years of experience in loan portfolio management, credit assessment, and relationship banking. Proven track record in managing MSME, Housing, and Group Loan assets while ensuring high recovery rates and compliance with regulatory standards. Expert in asset monitoring and business development focused on maintaining portfolio health.

Senior Business Development Officer (MSME) - Fusion Finance Ltd. - Bettiah

(2025-02)

• Managing a diverse portfolio of MSME assets, focusing on sustainable growth and risk assessment.
• Conducting market research to identify high-quality asset opportunities and credit-worthy clients.
• Streamlining operational efficiency to ensure timely disbursements and maintain portfolio health.

Individual Relationship Officer (Housing Loan) - SMFG India Credit Co. Ltd. - Motihari

(2024-10 - 2025-02)

• Managed the end-to-end lifecycle of housing loan assets from application to final assessment.
• Performed rigorous credit checks and audits to ensure compliance with lending regulations.
• Collaborated with risk teams to maintain low delinquency rates within the assigned territory.

Customer Relationship Officer (Group Loan) - Ujjivan Small Finance Bank - Motihari

(2023-02 - 2024-09)

• Supervised group loan assets, ensuring service delivery and high repayment consistency.
• Conducted account reviews and financial literacy programs to improve asset performance.
• Maintained 100% documentation compliance while resolving complex customer inquiries.

Bachelor of Arts - Economics Honours - L.N.D College (2022 - 2025)

12th Arts - Intermediate - A N College (2020 - 2022)

10th - Matriculation - Zila School (10+2) (2020 - 2020)