Prasun Kumar

Dynamic banking professional with 15+ years of expertise in Credit &

• Financial Analysis, Loan Appraisal, SME &

• Corporate Banking, Branch Management, and Risk Assessment. Currently serving as Chief Manager (Credit) &

• SME Processing Cell Head at Bank of Baroda, India. Proven track record in credit appraisal (fund & non-fund facilities), portfolio management, MSME financing, and profitability growth. Skilled in compliance, regulatory requirements, and cross-selling financial products. Certified with JAIIB &

• CAIIB (IIBF, Mumbai). Seeking a challenging banking role in Dubai to contribute expertise in credit, risk, and business development.

Chief Manager (Credit), SME Processing Cell Head - Bank of Baroda - India

(2017-10)

• Spearheading SME loan appraisal & disbursement across fund/non-fund facilities.
• Driving business acquisition & cross-selling of ancillary banking products.
• Conducting due diligence, risk assessment, and credit decision-making.
• Supporting branches in onboarding MSME clients and ensuring compliance with regulatory frameworks.
• Achieved consistent loan portfolio growth and ensured zero slippage in NPA for 5+ years.
• Recognized for consistently achieving sanction & disbursement targets for two consecutive years.

Senior Manager (Credit) & Branch Manager - Union Bank of India - India

(2010-07 - 2017-09)

• Managed a credit portfolio of ₹278 Cr as Credit Head.
• Handled retail, SME, and corporate loan appraisals including housing, education, personal, and business loans.
• Onboarded Daawat Foods Ltd (LT Foods Group) as a key corporate client.
• Supervised a team of 4 members and drove profitability through credit operations & cross-selling.
• Conducted credit rating, risk evaluation, and compliance reporting (Basel II, CRAR returns).

MBA - Finance - University of Calcutta (2010)

B.Com. - Commerce - B.S.B.A University (2005)