Janarthan Kumerasan

Results-driven lending and microfinance professional with 5 years of experience in loan processing, collections, credit assessment, customer relationship management, and financial literacy outreach. Proven ability to manage borrower relationships, maintain portfolio quality, support business growth, and deliver ethical financial solutions with a strong focus on service excellence and financial inclusion.

Relationship Manager at IDFC First Bharat Limited (2025-09 – Present)

• Maintain strong client relationships by understanding customer needs and recommending suitable financial solutions.
• Cross-sell housing loan and LAP products while delivering a high standard of customer service.
• Support retention and business growth through proactive relationship management and service follow-up.

Relationship Manager at Unico Housing Finance Private Ltd, Namakkal (2024-09 – 2025-08)

• Managed client relationships and delivered appropriate financial solutions based on customer requirements.
• Contributed to customer retention and acquisition targets through quality service and product cross-selling.
• Used Microsoft Office for reporting, coordination, and daily branch support activities.

Micro Loan Officer at L & T Financial Services, Tiruchengode (2023-03 – 2024-07)

• Identified and assessed potential borrowers for microloan eligibility and disbursement.
• Monitored repayments, conducted field visits, and maintained portfolio quality.
• Promoted financial literacy and improved customer awareness through community interaction.

Collection Executive at Sun Finance, Pallipalayam (2020-06 – 2023-02)

• Handled overdue payment collections through regular client follow-up and repayment negotiation.
• Maintained collection records and ensured timely recovery support across assigned accounts.
• Strengthened collection performance through disciplined portfolio tracking and customer communication.

B.Sc. in Mathematics – Sengunthar College of Arts and Science (2017-06 – 2020-05)

HSC in Computer Science – Nalandas Higher Secondary School (2014-06 – 2015-03)

SSLC in Mathematics – Government High School (2012-06 – 2013-04)