Khushbu Gaisota
Mumbai
Summary
Results-driven Fixed Income Specialist with proven expertise in credit risk assessment and investment research. Skilled in enhancing communication and driving initiatives to improve advisor and client experiences.
Overview
8
8
years of professional experience
Work History
Fixed Income Specialist
JPMorgan Chase Bank
Mumbai
03.2025 - Current
- Researching and creating materials to educate and provide information to the wealth management sales advisors on a large number of Fixed Income SMAs/mutual funds/ETFs on Global Private Bank platform
- Leveraging knowledge, about our investment’s solutions, the markets, and views from Portfolio Managers and the Chief Investment Office to assist in writing portfolio commentary -Working with senior fixed income specialists to develop and drive initiatives aimed at improving the advisor/client experience (both internal & external), including increasing the efficiency of information flow and communication channels between different areas of the business
- Assisting in developing and updating presentations and marketing materials on various fixed income asset classes for clients and internal meetings
- Overlooking analysts to address Advisor and Client needs (inbox management, questions, reporting needs, corporate actions, etc.) -Work on new launches and time sensitive ad-hoc analysis and projects
Credit Risk Associate
JPMorgan Chase Bank
Mumbai
12.2021 - 03.2025
- Conducting in-depth credit underwriting and risk assessments for diverse fixed-income securities, including municipal bonds, CLOs, RMBS, Auto Loan ABS, and Auto Lease ABS along with providing detailed analysis of collateral characteristics, borrower creditworthiness, and market conditions to ensure portfolio resilience.
- Expertise in RMBS asset class, especially evaluating underlying mortgage loans, including key characteristics such as documentation type, loan purpose, occupancy type, and creditworthiness of borrowers.
- Actively prepare annual Comprehensive Capital Analysis and Review (CCAR) submissions to the US Fed, in order to evaluate the bank's ability to withstand severe economic shocks. Deliver insights into capital needs, risk measurement, and governance to support strategic capital planning.
- Monitoring the fixed income portfolio with monthly checks like Monthly External Downgrades and Monthly Internal Business Review
- Pioneering the automation of credit review processes using Python and AI-driven prompt engineering, creating interactive dashboards that enhanced efficiency, accuracy, and decision-making in credit risk evaluations.
- Preparing credit-perspective presentations on various sectors and processes for Global Risk Committee Meetings held on quarterly basis.
- Overall contributing to multiple ad-hoc projects within the team and maintaining healthy stakeholder relationship with the trading desk.
- Key Achievement: Supported JP Morgan's acquisition of First Republic Bank from Federal Deposit Insurance Corporation. JPM's US municipal portfolio doubled overnight, was responsible for quick turnaround of credit analysis for $ 20b municipal portfolio in two days and presented to the senior management for internal approvals. Introduced team to leveraging automated processes to support the tight deadline.
Research & Investment Services Associate
TresVista
Mumbai
05.2021 - 11.2021
- Worked across the value chain with key focus on financial models, bench-marking exercises, company profiling and industry landscape research catering to Asset Management, Private Equity and Investment Banking clients globally.
- Managed and over-looking a team of analysts to ensure timely delivery of projects to the assigned clients
Product Manager Commercial Bank
Tata Capital Financial Services
Mumbai
07.2017 - 07.2019
- Looked after the health of the company's wholesale loan book worth Rs.4600 crs and mitigated the risk involved.
- Increased penetration of commercial banking products like channel f inance, assignment of receivables and term-loans in northern and eastern regions of the country based on adopted corporate strategy.
- Maintained profitable relationships and strategic alliances with auto OEMs as part of the Supply Chain Finance portfolio allotted.
- Worked on various business development initiatives in collaboration with senior management to launch new products; successfully achieved quarterly sales targets by on-boarding new corporate clients and increased the existing exposure.
Education
Masters in Finance -
Jamnalal Bajaj Institute of Management Studies
Mumbai04-2021
Bachelor's in Management Studies - Finance
University of Mumbai
Mumbai04-2017
Skills
- Fixed income analysis
- Credit risk assessment
- Investment research
- Market analysis
- Team leadership
- Risk management
- Automation of processes using LLM/AI
- Innovation management
- Python automation
Timeline
Fixed Income Specialist
JPMorgan Chase Bank
03.2025 - Current
Credit Risk Associate
JPMorgan Chase Bank
12.2021 - 03.2025
Research & Investment Services Associate
TresVista
05.2021 - 11.2021
Product Manager Commercial Bank
Tata Capital Financial Services
07.2017 - 07.2019
Masters in Finance -
Jamnalal Bajaj Institute of Management Studies
Bachelor's in Management Studies - Finance
University of Mumbai
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