Open to opportunities

Janani Mohanasundaram

@jananimohanasundaram

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Finance Analyst with 9+ years delivering budgeting, risk-managed lending insights, and stakeholder-ready reporting.

India

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What I'm looking for

I’m looking for a finance/credit-focused role where I can own budgeting, risk management, and reporting—partnering with stakeholders to improve underwriting accuracy, strengthen controls, and drive measurable performance and growth.

I’m a result-oriented finance professional with 9+ years of experience across project management, financial operations, business analysis, stakeholder communication, risk management, and credit analysis. I focus on turning financial data into clear decisions and measurable outcomes for teams and leadership.

In my current role as a Finance Analyst at HMH Constructions, I prepare detailed cost reports, cash flow statements, and variance analyses to support project decision-making. I manage budgeting, forecasting, and financial planning across multiple construction projects, while monitoring expenditures against budgets to prevent overruns early.

Previously, as a Loan Analyst at GP Processing Ltd, I drove requirement gathering and UAT testing for a Salesforce loan origination system. I documented live underwriting conditions, ensured eligibility and underwriting accuracy, maintained borrower/advisor profiles in the Loan Management System, and calculated payoff and default letters to strengthen risk management.

Earlier in my career as a Branch Credit Manager at India Bulls Housing Finance Ltd and as a Territory Manager at IDFC First Bank, I recommended and sanctioned loans, maintained branch MIS for daily reporting, monitored CIBIL and risk containment inputs, and ensured compliance through field verification and post-disbursement document tracking. I also led teams of 15 through recruiting, mentoring, and training to achieve and exceed sales targets while monitoring collections after disbursement.

Experience

Work history, roles, and key accomplishments

Current

Finance Analyst

Current

HMH Constructions

Aug 2024 - Present (1 year 9 months)

Prepared cost reports, cash flow statements, and variance analyses to support project decision-making. Managed budgeting and forecasting across construction projects, monitored expenditures to prevent overruns, negotiated supplier payment terms, and streamlined procurement-to-payment to reduce delays and disputes.

Cost Reporting Cash Flow Analysis Budgeting & Forecasting Vendor Subcontractor Billing Cash Flow Management Contract Compliance

Loan Analyst

GP Processing Ltd

May 2022 - Aug 2024 (2 years 3 months)

Gathered requirements and supported UAT testing for a Salesforce loan origination system. Managed underwriting conditions and mortgage documentation, performed eligibility checks, calculated payoff amounts with payoff/default letter generation, maintained borrower/advisor profiles in the loan management system, and ensured accurate rates and closing costs during live underwriting.

Requirement gathering UAT Testing Underwriting Conditions Management Loan Documentation Payoff Default Letter Preparation Loan Management System Risk Management

Branch Credit Manager

India Bulls Housing Finance Ltd

Apr 2018 - Sep 2022 (4 years 5 months)

Recommended and sanctioned home loans, LAP, resale, and BT for ticket sizes of ₹5 lakh–₹99 lakh. Maintained daily branch MIS, monitored CIBIL and RCU field verification reports, managed customer discussions and Salesforce/LMS documentation, ensured PDD tracking, and processed loan waivers and write-offs within the approval matrix.

Loan Approval CIBIL Monitoring RCU Field Verification Customer Relationship Management Post Disbursement Document (PDD) Tracking Salesforce & LMS Documentation

Territory Manager

IDFC First Bank

Apr 2016 - Mar 2018 (1 year 11 months)

Managed a team of 15 to track daily sales reports and achieve sales commitments, driving sustained growth and new lead opportunities. Recruited, mentored, and trained field functionaries, supported credit decisioning using CIBIL analysis and customer discussions, and monitored post-disbursement collections.