Arun Kumar N

Credit Specialist @Kinara Capital

Bangalore, IN

Handled comprehensive credit underwriting for a wide client base including manufacturers, traders, and service providers- Evaluated loan applications, verified bureau reports, KYC, business KYC, and financial documents- Conducted detailed credit assessments by analyzing financial data, bank statements, and repayment capacity- Conducted customer profiling, tele-verifications and video-verifications to assess creditworthiness. preparing detailed Credit Appraisal Memos (CAMs)- Ensured post-disbursement monitoring to identify repayment trends and mitigate credit risk- Acted as a key escalation point, resolving complex credit queries while ensuring policy adherence- Trained new hires and streamlined loan allocation processes through dashboard-driven workflow monitoring- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity- Conducted detailed financial analysis and assessed credit risk for new and existing customers- Collaborate with sales and finance teams to optimize credit terms and minimize risk exposure- Maintained high-quality work while ensuring timely task management- Contributed to process improvements and policy development within the credit department.