First Officer had 3650hrs TT and 3350hrs on Type. Clearly not inexperienced. Was with Jet Airways before he joined Air India Express.
I would still wait for the CVR disclosure (by NTSB) before arriving at any conclusion, however, the investigation team which has completed the investigation has already called out several SOP failures on the Captain (e.g. ignoring the airspeed warning, GPWS, etc.), it appears that the F/O did call out for a Go-Around thrice (!!!!).