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J.I. Lustre has a diverse work experience in the financial industry. They started their career at RCBC in 2013 as a Credit Investigator and Appraiser. After a year, they moved to BDO Unibank where they held the role of an Account Officer Team Lead for the Auto Loan division. During their time at BDO, they successfully grew the portfolio and expanded the reach to remote towns. In 2021, J.I. Lustre joined Bank of the Philippine Islands (BPI) as a Corporate Credit Officer, where they served as an Assistant Manager. Currently, they are working at ErudiFi as a Partnerships and Business Development Manager, focusing on expanding access to higher education in the Visayas and Mindanao regions of the Philippines.

J.I. Lustre, CRA, CLSSYB has a diverse education history. They first obtained a Bachelor's degree in Science in Business Administration majoring in Management Accounting from Holy Name University, completing their studies from 2009 to 2013. Later, they pursued a Master of Business Administration (MBA) from Holy Name University starting in 2017. They have also completed another MBA program at the University of the Visayas, although the specific dates are not provided.

In addition to their academic qualifications, J.I. Lustre has acquired various certifications. These include a Certificate of Completion for Certified Risk Analyst Training Course from the American Academy of Financial Management (AAFM) Philippines, obtained in October 2020. They also hold certifications in Complaints Management Training, Professional Certificate in Organizational Risk Management, Customer Service Excellence, Lean Six Sigma Yellow Belt, and Lean Six Sigma Yellow Belt (ICYB), all obtained in 2020 from various institutions such as SAS Management Incorporated and DivergenZ Training and Consulting.