To me it doesn't really look like fungus, that tends to be thread like as in the first pic on this webpage:
https://petapixel.com/how-to-remove-fungus-lens/
To me it more looks like the coating on the lens starting to break down, or perhaps water marks around the edge. Can you tell if it's on the inside or outside? - you may be able to tell by running your finger over the area - it will likely feel different is it's on the outside.
As to whether it will impact image quality, for now perhaps mot, as long as the damage does not spread.
You could attempt to remove it/clean it, which would possibly involve dismantling the rear element, but if the coating is breaking down , there is little that can be done. If you removed it you would need to source and replace the o-ring that seals the rear element in place.