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Kaustav De is a seasoned finance professional with extensive experience in credit underwriting and management across various financial institutions. Currently serving as a Senior Manager at AU Small Finance Bank since April 2023, Kaustav specializes in credit underwriting for high-value working capital products. Prior roles include Manager SBB Credit at Axis Bank, where responsibilities encompassed end-to-end underwriting of working capital products, and Branch Credit Manager at IDFC FIRST Bank, focusing on micro loans and vendor management. Additional experience includes Deputy Manager at Bandhan Bank and Credit Manager positions at HDB Financial Services Ltd. Kaustav holds a Bachelor of Commerce in Accounting and Finance from Umes Chandra College and a postgraduate degree in Accounting and Finance from Calcutta Business School.