Koustav Das

About Koustav Das

AVP Credit Risk professional with 8+ years of experience across Corporate & Investment Banking (CIB) and Wholesale Banking, specializing in credit underwriting, portfolio management, syndicated lending, and structured corporate transactions. Currently managing a diverse portfolio at JP Morgan Chase & Co. and supporting USD 200MM+ syndicated and bilateral exposuresStrong expertise in cash flow analysis, DSCR and leverage assessment, covenant structuring, credit approvals, portfolio monitoring, and risk governance. Regularly collaborate with Relationship Managers, Legal teams, Compliance stakeholders, and Credit Committees to deliver disciplined credit decisions aligned with commercial and regulatory objectivesCFA Level Candidate with global portfolio exposure and strong cross-border stakeholder management experience. Actively contribute to process optimization and automation initiatives and mentor junior analysts.Open to AVP / VP Corporate Credit and Credit Risk roles across India and international markets including UAE.Key Skills: Corporate Credit Risk | Credit Underwriting | Wholesale Banking | Corporate Lending | Syndicated Loans | Portfolio Management | Financial Modeling | Risk Mitigation | Stakeholder Management

Experience

1. Senior Associate

   JPMorganChase

   Jan 2024 — Present

   Lead credit underwriting and risk assessment for diversified middle-market and corporate banking clients, ensuring alignment with internal credit policy, regulatory frameworks, and portfolio risk appetite• Own and manage a USD 50MM+ corporate credit portfolio and support USD 200MM+ syndicated and bilateral lending exposures, including Term Loans, Revolving Credit Facilities (RCFs), and structured debt transactions• Prepare and present credit approval memoranda, annual reviews, internal risk ratings, financial spreads, and exposure monitoring reports for senior management and Credit Committees• Perform detailed cash flow analysis, leverage and DSCR assessment, stress testing, and forward-looking financial projections to support high-quality credit decision-making• Drive covenant structuring, loan documentation coordination, and transaction execution in partnership with Relationship Managers, Legal, Operations, and Compliance teams• Monitor portfolio health using Early Warning Indicators (EWI), covenant compliance checks, watchlist management, and proactive risk mitigation actions• Support complex deal approvals through multi-level authority and credit governance processes across regional and global stakeholders• Utilize Bloomberg, Moody’s, IBISWorld, and EDGAR to enhance financial analysis, industry benchmarking, and counterparty risk assessment• Mentor junior analysts and contribute to team capability building, process optimization initiatives, and execution best practices

Education

• Symbiosis Institute of International Business

  MBA - International Business, Finance

  2015 — 2017

Skills

• Statistical Data Analysis
• Credit Analysis
• Research
• Oracle 9i
• C++
• Financial Modeling
• Quantitative Finance
• Microsoft Powerpoint
• Valuation
• Equity Research Analysis
• Management
• Financial Markets
• Public Speaking
• Investment Banking
• Market Research
• Economics
• Microsoft Excel
• Portfolio Management
• Business Valuation
• Banking
• Team Management
• Microsoft Word
• Equities
• Microsoft Outlook
• Leadership
• Financial Analysis
• Security Analysis
• Microsoft Office
• Easily Adaptable
• Capital Markets
• Project Management
• Corporate Finance
• Dcf Valuation
• Matlab
• Equity Research
• Bloomberg Terminal