The team · Consultant profile

Home · About · Michelle Juanita

Michelle Juanita

Credit Analyst · Kenstone Credit

Takes the cases that have already failed elsewhere — analysing why every earlier attempt died, then escalating to the level that can actually act.

1 documented case studyNamed in 1 client video“My listening officer” — client, on video
Michelle Juanita, Credit Analyst at Kenstone Credit
Michelle Juanita
Credit Analyst
LinkedIn

About

In her own words.

I graduated college in 2024 and began my professional journey with Kenstone Credit in 2025. Before joining Kenstone, I had the opportunity to intern with an NGO, where I worked closely with people from different backgrounds. That experience taught me the importance of empathy, active listening, and understanding every individual's unique situation, and I believe it adds value to the way I interact with clients today.

After completing my graduation, I was keen to build my knowledge and experience in the banking and financial sector, and I am grateful to Kenstone for providing me with the opportunity to learn, grow, and understand the industry while contributing to meaningful work.

During my journey at Kenstone, I have had the opportunity to work closely with clients, understand their concerns, and support them throughout their financial improvement journey. I believe every client deserves to be heard and understood. I take the time to listen, provide honest guidance, and work towards solutions that create a positive impact.

My approach is built on empathy, clear communication and attention to detail. I believe in providing clients with transparent and factual guidance, ensuring they have a clear understanding of their situation and the possible steps forward. Seeing clients overcome their challenges, receiving their appreciation, and knowing that my efforts have helped bring them confidence and relief is what motivates me to continuously learn, grow, and give my best every day.

What she handles

The work this desk is known for.

Stuck & previously-failed disputes

When customer care, branch visits, and even another agency have failed — the file gets re-investigated, not re-filed.

Structured bank escalation

Mapped escalation to senior officials at the lender until the case receives the attention it deserves.

Client education

Clients finish her cases understanding how ratings work and how to keep them up — in their own words.

Clients, on camera

Named by the people she worked for.

Suryakant Shanbagh thanks Michelle at Kenstone Credit 1:10
She was my listening officer throughout the period of this matter.
Suryakant Shanbagh
Client · names Michelle on video

Every case gets one named consultant.

Yours starts with a call — your report analyzed and our review shared before any payment.

080 6824 8827 or WhatsApp us — replies in minutes
Prefer we call you? We respond within 30 minutes (9 AM–6 PM).
By requesting, you agree to be contacted about your case — privacy notice. One consultant, one call. No spam.

Meet the rest of the team.

Every case carries the names of the people who handled it.

WhatsApp us Call us