Varun Agarwal

About Varun Agarwal

Results-driven Credit Manager with 5 years of experience in financial analysis, credit…

Experience

1. Cluster Credit Manager(AVP)

   AU SMALL FINANCE BANK

   May 2025 — Present

   As Cluster Credit Manager for Working Capital at AU Small Finance Bank, I lead credit underwriting for high-ticket to small-ticket MSME working capital proposals across a multi-branch cluster. I ensure robust risk assessment, policy compliance, and healthy portfolio growth in the working capital segment.Core Responsibilities: • Lead the credit appraisal of high-ticket to small ticket working capital proposals, including cash credit (CC), overdraft (OD), bank guarantee, letter of Credit and other fund-based/non-fund-based facilities. • Supervise and mentor a team of branch-level Credit Managers handling credit assessments and customer interactions. • Conduct in-depth financial analysis including profitability, liquidity, leverage, banking behavior, and industry dynamics. • Approve or recommend credit proposals based on in-depth risk profiling and policy adherence within delegated authority. • Liaise with business teams to support quality acquisition of MSME clients while ensuring credit hygiene. • Monitor cluster-level portfolio performance, including early warning triggers, delinquencies, and sectoral risk trends. • Implement credit risk controls and ensure zero tolerance for deviations or policy breaches. • Drive capability-building initiatives within the credit team through training and regular policy reviews.

Education

• The Institute of Chartered Accountants of India

  Chartered Accountant, Accounting,Tax Audit,Bank Audit,GST,Service Tax, TDS, MS Excel, Tally etc.

  2013 — 2018