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Joel Karunakaran Prem Kumar is an experienced professional in the financial services sector, currently serving as Cluster Manager at NeoGrowth Credit Pvt. Ltd. since April 2019, where the focus is on sales of unsecured business loans. Prior to this role, Joel held positions such as Branch Head at Electronica Finance Limited and Senior Sales Manager at BR Corporation India Private Limited, specializing in SME loans and various retail assets. Additional experience includes sales roles at ING Vyasa Bank Ltd., HBL Global P Limited (HDFC Bank), and customer service management at Info@smart-elin.com. Joel holds a Bachelor’s degree in Mathematics and Computer Science from the University of Madras, completed in 2007.