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Justin J Therattil is a seasoned professional with extensive experience in business intelligence, strategy, and finance. Currently serving as Manager - Business Intelligence & Strategy at Muthoot Capital Services Ltd since September 2023, Justin previously worked as an Analyst at Standard Chartered from December 2021 to August 2023. Prior roles include Senior Officer in the Digital Banking & Third Party Products department at ESAF Bank, where responsibilities included handling MIS for the team and overseeing pan-India branches, as well as a position in the Retail Assets department. Justin's career began at EMKE Group as Senior Accounts Payable and included an earlier role as Internal Auditor at Manappuram Asset Finance Limited. Academically, Justin holds a Bachelor of Commerce in Accounting and Finance from St. Thomas' College and an MBA in Finance from Sikkim Manipal University.