PARAG TULASYAN
Mumbai
Summary
Finance Professional with PGDM in Finance and B.Com from Mumbai University. Completed Summer Internship Program focusing on research of ULIPs offered by insurance companies. Committed to contributing to Finance, Operations, and Risk Management departments.
Overview
15
15
years of professional experience
Work History
RCU Manager – Risk Control Unit (RCU)
L&T Finance Ltd
07.2025 - Current
- Optimize RCU processes in collaboration with ARM and ZRM teams to improve control coverage and operational efficiency.
- Strengthen preventive and detective controls to minimize fraud losses and residual risk.
- Monitor process adherence to the defined RCU activities across PAN India locations at all stages i.e., Pre sanction & Post disbursement.
- Handling central RCU Processes for Agri finance assigned with complete ownership.
- Develop and present RCU decks for the Risk Management Committee (RMC) and Board, ensuring clarity, relevance, and actionable insights.
- Created and organized MIS reports to enhance decision-making processes, tracking and circulating to RCU functional head and zonal heads.
- Identified key initiatives for strategy preparation and process improvements in Agri finance.
- Conduct analysis on delinquency and portfolio to identify abnormalities in trends.
Associate Vice President
SBM Bank (India) Ltd
02.2022 - 07.2025
- Successfully grew the commodity portfolio from ₹10 crore to ₹125 crore, demonstrating complete ownership and initiative.
- Managed collateral managers to optimize delivery processes and reduce costs.
- Conducted market research on commodity price trends and analyzed AUM of other banks and collateral managers to strengthen the bank's portfolio.
- Reviewed and amended Pledge program, conducting yearly evaluations of products and policies to enhance compliance and effectiveness.
- Ensure timely disbursement of loans in close coordination with Operations, credit, and related stakeholders within sanctioned credit term.
- Successfully onboarded the ECBF system in close collaboration with the Operations and IT teams.
- Formulated product program and policy (Agri Finance).
Manager – Credit Intelligence & Control (CIC)
HDFC Bank Limited
09.2019 - 01.2022
- Handling central CIC Processes for Commodity finance assigned with complete ownership.
- Monitor process adherence to the defined CIC activities across PAN India locations at all stages i.e., Pre sanction & Post disbursement.
- Manage the complete process audit of empaneled vendors at our end.
- Engage in discussion for commodity finance with the Product & Credit Policy team, at the central level in order to understand the new developments related to the products managed.
- MIS preparation, tracking and circulation to CIC Functional Head and Zonal heads.
- Conducting regular training to concerned stakeholders for improving audit quality.
- Key initiatives in strategy preparation and process improvements in commodity finance.
- Conducting need-based analysis on delinquency, portfolio to study abnormalities in trends which are to be used for strengthening Risk Process.
Manager - Commodity Portfolio Monitoring Group
Yes Bank Limited
08.2017 - 08.2019
- Managing the Commodity Pledge Portfolio of Rs.1200 Crs.
- Monitored and assessed risks associated with commodity-based finance across various warehouse types.
- Designed and implemented policies and processes for product development based on market feedback and developments.
- Managed Collateral Managers to improve delivery efficiency.
- Ensure timely disbursement of loans in close coordination with RM, credit and related stakeholders within sanctioned credit terms.
- Managed non-performing assets by analyzing and developing strategies for recovery. and Overdue Portfolio. Monthly / periodical monitoring and reporting of the overdue positions, recovery, utilization of limits etc.
- Resolved system issues for RM, credit, operations, and IT within ECBF system to enhance operational efficiency.
Manager – Commodity Finance
RBL Bank Limited
11.2015 - 08.2017
- Managed pledge portfolio of Rs.400 Crs to optimize asset utilization and mitigate risk.
- Oversaw collateral managers to enhance service delivery while maintaining cost efficiency.
- Ensure timely disbursement of loans in close coordination with RM, credit and related stakeholders within sanctioned credit terms.
- Granted approval to collateral managers for warehouse takeover and negotiated related charges.
- Approved funding prices for relationship managers, ensuring adherence to specified turnaround times.
- Policy / process design & implementation: Effecting Product development as per market developments/feedback and Implementation of policies.
- Resolved system issues faced by RM, credit, operations, and IT in the ECBF system.
Executive - Business Development (Collateral Management)
Star Agriwarehousing & Collateral Management Ltd.
12.2014 - 10.2015
- Develop and lead the Business Development team in sourcing, managing and implementing new business opportunities.
- Conducted comprehensive analysis of competitors and market trends, identifying key opportunities for business development.
- Interacted with banks for new tie-ups, fostering strong relationships with clients and bankers to support business growth.
- Possessed extensive knowledge in pledge finance and management of agricultural commodity warehousing.
- Ensured efficient marketing, advertising, and promotional planning within Marketing department, enhancing outreach strategies.
- Respond to clients’ questions and complaints regarding sales, storage and distribution services.
Collateral Officer
Standard Chartered Bank
02.2012 - 11.2014
- CMT’s principal responsibility is to act as the bank’s custodian of collateral commodity and monitor commodity transactions, often on an end-to-end basis.
- Manage a significant portfolio of facilities protecting the Bank’s exposure to risk through the constant monitoring of credit facilities and valuation of collateral.
- Oversaw daily monitoring and reconciliation of collateral positions, providing updates of mark to market valuations of commodity prices.
- Coordinated with credit analysts, trade services, GSSC, and relationship managers to streamline processes, enhancing overall operational efficiency.
- Monitored transactions and specific terms for BCA agreements, primarily for CTA clients, to ensure compliance.
- Reconciled daily limits against actual utilization to ensure compliance and accuracy.
- Reported daily updates on disputed clients to the relationship management team, preparing MIS/excess reports to support client management efforts.
- Ensuring monitoring of approval limits and sub-limits client wise & updating monthly stock statements to derive drawing power of the client.
Management Trainee
Shlogam Agro Pvt Ltd
09.2011 - 02.2012
- Coordinated trading strategies, delivering actionable recommendations to management.
- Collected and researched fundamental news related to commodities to support trading decisions.
- Researched conditions and movements of commodities to support trading decisions.
- Collected market information on commodities to inform trading strategies.
Education
P.G.D.M - Finance
Chetana’s Institute of Management & Research
Mumbai01-2011
B.Com. -
P. D. Lions College
Mumbai01-2009
H.S.C. -
P. D. Lions College
Maharashtra01-2006
S.S.C. -
St. Xavier High School
Maharashtra01-2004
Skills
- Risk management
- Audit processes
- Policy development
Personal Information
Date of Birth: 14/07/88
Languages
- English
- Hindi
Desired Job Profile
Looking forward to an opportunity to serve an organization in the Finance / Operations / Credit & Risk Department / Product Department which would offer me a chance to make a career in Finance.
Synopsis
P.G.D.M, Finance, Chetana’s Institute of Management and Research, 2011, 65.00, B.Com, P. D. Lions College, 2009, 70.85, H.S.C., P. D. Lions College, 2006, 75.00, S.S.C., St. Xavier High School, 2004, 66.26, Ambit Capital Pvt. Ltd., Research on ULIPS offered by Insurance Companies
Accomplishments
- Recognized as Employee of the Year for two consecutive years, 2023 and 2024.
- Recognized for achievement in contribution to the Risk Department.
Timeline
RCU Manager – Risk Control Unit (RCU)
L&T Finance Ltd
07.2025 - Current
Associate Vice President
SBM Bank (India) Ltd
02.2022 - 07.2025
Manager – Credit Intelligence & Control (CIC)
HDFC Bank Limited
09.2019 - 01.2022
Manager - Commodity Portfolio Monitoring Group
Yes Bank Limited
08.2017 - 08.2019
Manager – Commodity Finance
RBL Bank Limited
11.2015 - 08.2017
Executive - Business Development (Collateral Management)
Star Agriwarehousing & Collateral Management Ltd.
12.2014 - 10.2015
Collateral Officer
Standard Chartered Bank
02.2012 - 11.2014
Management Trainee
Shlogam Agro Pvt Ltd
09.2011 - 02.2012
P.G.D.M - Finance
Chetana’s Institute of Management & Research
B.Com. -
P. D. Lions College
H.S.C. -
P. D. Lions College
S.S.C. -
St. Xavier High School