Srichandan Kundu

● Underwrote and monitored credit exposures for a U.S. regional bank's diversified portfolio of middle- market and large corporate borrowers across multiple industries and sectors. ● Performed financial spreading and credit analysis in Moody's CreditLens, assessing leverage, liquidity, cash flow adequacy, and covenant compliance. ● Conducted annual reviews, interim reviews, and new-money underwriting to evaluate borrower creditworthiness and assign internal risk ratings. ● Monitored portfolio risks through analysis of rating migrations, financial performance, industry developments, and macroeconomic trends. ● Oversaw covenant tracking, financial reporting requirements, and loan documentation compliance in accordance with lending agreements. ● Led, mentored, and developed a team of 12 credit analysts, driving high-quality underwriting, improving productivity, and consistently meeting quality and SLA targets through coaching, performance management, and knowledge sharing. ● Managed resource planning, workload allocation, and complex credit escalations, while fostering cross- functional collaboration and implementing process improvements to enhance operational efficiency and team performance.

● Managed credit underwriting and portfolio reviews for global merchants across APAC, EMEA, and North America, approving exposures up to USD 5 million and reducing credit losses by 12%–18%. ● Conducted financial and credit analysis of balance sheets, income statements, and cash flows to assess creditworthiness and support risk-based underwriting decisions. ● Led a team of 12 analysts and streamlined stakeholder engagement processes, improving productivity by 35%, reducing escalations, and increasing merchant response rates by 70%. Achievements at PayPal ● Quarterly Awards: Consistently recognized with the quarterly award for productivity and quality over multiple terms at PayPal India. ● Elevated approval authority from USD 250k → USD 5Mn within first 12 months of performance driven by strong performance and consistent quality in reviews and overall execution.

● Enhanced corporate communication channels to monitor funding structures, operational shifts, and financial risks, strengthening portfolio visibility and enabling a 15–20% improvement in risk anticipation. ● Analyzed financial and business performance against industry benchmarks and delivered actionable underwriting recommendations, driving a 15%+ increase in risk-aligned approvals. ● Established an 8-member credit underwriting and reporting team dedicated to enhanced information research and credit evaluation, improving risk detection and reducing claims by 13–15% YoY. Achievements at Coface ● Performance Award: 2x Best Team Award Winner for quality and portfolio performance improvement at Coface India for excellence in team performance and quality assurance.

• Prepared end-to-end credit reports for a commodity trading client, analyzing financial, operational, and market information to support credit and trading decisions. • Enhanced credit reporting processes and evaluated company disclosures to assess business risk, management quality, organizational structure, and overall creditworthiness.

● Conduct in-depth credit assessments for large-cap and leveraged-finance issuers by evaluating business risks, financial strength, leverage metrics, and capital structures, and delivering concise portfolio reports with insights on credit quality, sector trends, covenant pressures, and emerging risks. ● Engage with investors, issuers, bankers, regulators, and media to articulate rating rationales, communicate credit opinions, and discuss market developments.

● Managed end-to-end rating analysis and documentation for small-scale industry clients (INR 1–75 Cr turnover) by evaluating financial statements and engaging with management to gather critical business, operational, and financial insights for accurate credit assessment.