Zonal Sales Manager with extensive experience at Clix Capital Services, specializing in sales strategy and team leadership. Demonstrated success in market analysis and business development, consistently surpassing sales targets. Known for implementing innovative promotional strategies and enhancing profitability through cross-functional collaboration.
Overview
18
18
years of professional experience
Work History
<ul><li>Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets</li><li>Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.</li><li>Identifying the need of sales training, analyzing changing market trends, channel deployment etc.</li><li>Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.</li><li>Recruiting and retaining high performers.</li><li>Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.</li><li>Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.</li></ul>
Clix Capital Services Pvt Ltd.
08.2019 - Current
Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets
Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.
Identifying the need of sales training, analysing changing market trends, channel deployment etc.
Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.
Recruiting and retaining high performers.
Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.
Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.
<ul><li>Handling Sales Team of 9 sales officers for Business Loan business.</li><li>Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets</li><li>Creating a strong & compliant sales culture to drive acquisitions, profitability, and employee development.</li><li>Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.</li><li>Identifying the need of sales training, analyzing changing market trends, channel deployment etc.</li><li>Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.</li><li>Recruiting and retaining high performers.</li><li>Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.</li><li>Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.</li></ul>
Neo Growth Credit Pvt Ltd.
02.2017 - 08.2019
Handling Sales Team of 9 sales officers for Business Loan business.
Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets
Creating a strong & compliant sales culture to drive acquisitions, profitability, and employee development.
Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.
Identifying the need of sales training, analysing changing market trends, channel deployment etc.
Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.
Recruiting and retaining high performers.
Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.
Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.
<ul><li>Handling DSA and Sales Team of 6 sales officers for home loan and Lap business.</li><li>Responsible for performance and development of sales officers.</li><li>Builder meetings, DSA & connectors empanelment.</li><li>Conducting regular Trainings to Team and DSA.</li><li>Builder APF.</li><li>Ensure no customer complaints and mis commitments to the customers.</li><li>Conducting promotional activities and brand promotions at builder and DSA premises.</li></ul>
L&T HOUSING FINANCE LTD
04.2015 - 01.2017
Handling DSA and Sales Team of 6 sales officers for home loan and Lap business.
Responsible for performance and development of sales officers.
Builder meetings, DSA & connectors empanelment.
Conducting regular Trainings to Team and DSA.
Builder APF.
Ensure no customer complaints and mis commitments to the customers.
Conducting promotional activities and brand promotions at builder and DSA premises.
<ul><li>Handling 18 branches for cross sell business with 12 sales officers and DSA business</li><li>Responsible for Personal Loan Sales through Branch Channel and DSA</li><li>Closely working with Branch staff to penetrate Internal base.</li><li>Responsible for performance and development of sales executives.</li><li>Conducting regular Trainings to DST and DSA.</li><li>Ensure no customer complaints and mis commitments to the customers.</li><li>Ensuring quality business sourcing.</li></ul>
ING VYSYA BANK LTD.
06.2013 - 03.2015
Handling 18 branches for cross sell business with 12 sales officers and DSA business
Responsible for Personal Loan Sales through Branch Channel and DSA
Closely working with Branch staff to penetrate Internal base.
Responsible for performance and development of sales executives.
Conducting regular Trainings to DST and DSA.
Ensure no customer complaints and mis commitments to the customers.
Ensuring quality business sourcing.
<ul><li>Handling 30 branches for cross sell business and corporate Salary Group.</li><li>Managing a team of 22 members.</li><li>Develop a business plan and sales strategy for the market that ensures attainment of company sales goals and profitability with a team of 20 sales executives and 2 Team Leader.</li><li>Closely worked with Branch Staffs to generate leads.</li><li>Responsible for the performance and development of the Sales Executives.</li><li>Assists in the development and implementation of corporate activities as needed with a team of Corporate Salary Group.</li><li>Ensure no customer complaint and no miss commitments to the customers.</li><li>Handled DSA business.</li><li>Weekly Reviews leads us in mentoring & monitoring the performance of the D.S.A to ensure efficiency in process operations and meeting of individual & group targets.</li><li>Won the Retail Asset Champ facilitated at Singapore in July’ 2012.</li></ul>
AXIS BANK
12.2010 - 05.2013
Handling 30 branches for cross sell business and corporate Salary Group.
Managing a team of 22 members.
Develop a business plan and sales strategy for the market that ensures attainment of company sales goals and profitability with a team of 20 sales executives and 2 Team Leader.
Closely worked with Branch Staffs to generate leads.
Responsible for the performance and development of the Sales Executives.
Assists in the development and implementation of corporate activities as needed with a team of Corporate Salary Group.
Ensure no customer complaint and no miss commitments to the customers.
Handled DSA business.
Weekly Reviews leads us in mentoring & monitoring the performance of the D.S.A to ensure efficiency in process operations and meeting of individual & group targets.
Won the Retail Asset Champ facilitated at Singapore in July’ 2012.
<ul><li>Handling 2 Agencies for collection of Credit cards business</li><li>Handling credit card recoveries.</li><li>Managing portfolio of 180+ DPD accounts.</li><li>Skip tracing, field visits</li><li>Special focus to RTP cases and dispute cases.</li><li>Daily feedback from the field staffs and tele callers of the allocation given</li><li>Responsible for credit card collections with Bank and RBI guidelines</li><li>To follow all code of conducts laid by the Bank.</li><li>Ranked as No 3 Pan India in Recoveries</li><li>Achieved many awards for best agency manager and for highest recoveries.</li></ul>
HSBC BANK.
11.2008 - 11.2010
Handling 2 Agencies for collection of Credit cards business
Handling credit card recoveries.
Managing portfolio of 180+ DPD accounts.
Skip tracing, field visits
Special focus to RTP cases and dispute cases.
Daily feedback from the field staffs and tele callers of the allocation given
Responsible for credit card collections with Bank and RBI guidelines
To follow all code of conducts laid by the Bank.
Ranked as No 3 Pan India in Recoveries
Achieved many awards for best agency manager and for highest recoveries.
<ul><li>Responsible for Personal Loan Sales</li><li>Responsible for Personal Loan Sales through open market and corporate activities.</li><li>Worked with corporate salary group for personal loan business</li><li>Done many corporate activities to generate PL Business.</li><li>To ensure there should be no customer complaints</li><li>Responsible for building up quality portfolio & profitable Business</li></ul>
HSBC BANK
08.2007 - 10.2008
Responsible for Personal Loan Sales
Responsible for Personal Loan Sales through open market and corporate activities.
Worked with corporate salary group for personal loan business
Done many corporate activities to generate PL Business.
To ensure there should be no customer complaints
Responsible for building up quality portfolio & profitable Business
Education
B. Com (P) -
01/2001
01.2001
PGDBM -
Pune
Pune
10+2 - Commerce
Commerce
Skills
Sales strategy
Market analysis
Team leadership
Performance management
Customer relationship management
Business development
Cross-functional collaboration
Timeline
<ul><li>Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets</li><li>Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.</li><li>Identifying the need of sales training, analyzing changing market trends, channel deployment etc.</li><li>Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.</li><li>Recruiting and retaining high performers.</li><li>Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.</li><li>Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.</li></ul>
Clix Capital Services Pvt Ltd.
08.2019 - Current
<ul><li>Handling Sales Team of 9 sales officers for Business Loan business.</li><li>Achieving & exceeding Business goals and targets. Decide and implement region specific innovative strategies to meet business targets</li><li>Creating a strong & compliant sales culture to drive acquisitions, profitability, and employee development.</li><li>Managing and supporting the effective deployment of sales team with respect to the geographical area, exploring new markets and in allocating resources to most profitable opportunities.</li><li>Identifying the need of sales training, analyzing changing market trends, channel deployment etc.</li><li>Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work.</li><li>Recruiting and retaining high performers.</li><li>Ensuring highest levels of employee relationship, motivation & engagement to drive results & elevated levels of employee satisfaction.</li><li>Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations, Responsible for the quality of portfolio.</li></ul>
Neo Growth Credit Pvt Ltd.
02.2017 - 08.2019
<ul><li>Handling DSA and Sales Team of 6 sales officers for home loan and Lap business.</li><li>Responsible for performance and development of sales officers.</li><li>Builder meetings, DSA & connectors empanelment.</li><li>Conducting regular Trainings to Team and DSA.</li><li>Builder APF.</li><li>Ensure no customer complaints and mis commitments to the customers.</li><li>Conducting promotional activities and brand promotions at builder and DSA premises.</li></ul>
L&T HOUSING FINANCE LTD
04.2015 - 01.2017
<ul><li>Handling 18 branches for cross sell business with 12 sales officers and DSA business</li><li>Responsible for Personal Loan Sales through Branch Channel and DSA</li><li>Closely working with Branch staff to penetrate Internal base.</li><li>Responsible for performance and development of sales executives.</li><li>Conducting regular Trainings to DST and DSA.</li><li>Ensure no customer complaints and mis commitments to the customers.</li><li>Ensuring quality business sourcing.</li></ul>
ING VYSYA BANK LTD.
06.2013 - 03.2015
<ul><li>Handling 30 branches for cross sell business and corporate Salary Group.</li><li>Managing a team of 22 members.</li><li>Develop a business plan and sales strategy for the market that ensures attainment of company sales goals and profitability with a team of 20 sales executives and 2 Team Leader.</li><li>Closely worked with Branch Staffs to generate leads.</li><li>Responsible for the performance and development of the Sales Executives.</li><li>Assists in the development and implementation of corporate activities as needed with a team of Corporate Salary Group.</li><li>Ensure no customer complaint and no miss commitments to the customers.</li><li>Handled DSA business.</li><li>Weekly Reviews leads us in mentoring & monitoring the performance of the D.S.A to ensure efficiency in process operations and meeting of individual & group targets.</li><li>Won the Retail Asset Champ facilitated at Singapore in July’ 2012.</li></ul>
AXIS BANK
12.2010 - 05.2013
<ul><li>Handling 2 Agencies for collection of Credit cards business</li><li>Handling credit card recoveries.</li><li>Managing portfolio of 180+ DPD accounts.</li><li>Skip tracing, field visits</li><li>Special focus to RTP cases and dispute cases.</li><li>Daily feedback from the field staffs and tele callers of the allocation given</li><li>Responsible for credit card collections with Bank and RBI guidelines</li><li>To follow all code of conducts laid by the Bank.</li><li>Ranked as No 3 Pan India in Recoveries</li><li>Achieved many awards for best agency manager and for highest recoveries.</li></ul>
HSBC BANK.
11.2008 - 11.2010
<ul><li>Responsible for Personal Loan Sales</li><li>Responsible for Personal Loan Sales through open market and corporate activities.</li><li>Worked with corporate salary group for personal loan business</li><li>Done many corporate activities to generate PL Business.</li><li>To ensure there should be no customer complaints</li><li>Responsible for building up quality portfolio & profitable Business</li></ul>
<p>• Led the full project lifecycle of HR initiatives, including workforce planning, policy development, and process improvement.<br>
• Created and managed detailed project plans, schedules, and budgets to ensure timely and efficient execution.<br>
• Coordinated cross-functional teams to deliver HR projects on schedule while maintaining compliance with organizational standards.<br>
<br>
<strong>Compensation, Benefits & Payroll:</strong><br>
• Oversaw end-to-end payroll administration, ensuring accurate and timely employee payments.<br>
• Managed employee compensation and benefits programs, aligning them with market standards and company objectives.<br>
• Addressed payroll discrepancies and provided solutions to maintain smooth operations.<br>
<br>
<strong>Policy Development & Compliance:</strong><br>
• Developed and implemented company-wide HR policies to enhance workplace efficiency and employee satisfaction.<br>
• Ensured compliance with labor laws and Ministry of Human Resources regulations, mitigating legal risks.<br>
• Advised leadership on labor law updates and best practices in employee relations.<br>
<br>
<strong>Talent Acquisition & Onboarding:</strong><br>
• Directed full-cycle recruitment processes, from sourcing and interviewing to hiring and onboarding.<br>
• Managed international hiring, including visa processing, embassy coordination, and relocation support.<br>
• Optimized onboarding programs to ensure a smooth transition for new employees.<br>
<br>
<strong>Employee Relations & Engagement:</strong><br>
• Served as a primary point of contact for employee concerns, providing effective conflict resolution.<br>
• Maintained accurate records for attendance, leave, and performance management.<br>
• Prepared employment contracts and offer letters in compliance with legal and company standards.<br>
<br>
<strong>Strategic HR Leadership:</strong><br>
• Collaborated with senior management to align HR strategies with business goals.<br>
• Analyzed HR trends and provided recommendations to enhance workforce planning and development.<br>
</p> at Saudi Central Bank<p>• Led the full project lifecycle of HR initiatives, including workforce planning, policy development, and process improvement.<br>
• Created and managed detailed project plans, schedules, and budgets to ensure timely and efficient execution.<br>
• Coordinated cross-functional teams to deliver HR projects on schedule while maintaining compliance with organizational standards.<br>
<br>
<strong>Compensation, Benefits & Payroll:</strong><br>
• Oversaw end-to-end payroll administration, ensuring accurate and timely employee payments.<br>
• Managed employee compensation and benefits programs, aligning them with market standards and company objectives.<br>
• Addressed payroll discrepancies and provided solutions to maintain smooth operations.<br>
<br>
<strong>Policy Development & Compliance:</strong><br>
• Developed and implemented company-wide HR policies to enhance workplace efficiency and employee satisfaction.<br>
• Ensured compliance with labor laws and Ministry of Human Resources regulations, mitigating legal risks.<br>
• Advised leadership on labor law updates and best practices in employee relations.<br>
<br>
<strong>Talent Acquisition & Onboarding:</strong><br>
• Directed full-cycle recruitment processes, from sourcing and interviewing to hiring and onboarding.<br>
• Managed international hiring, including visa processing, embassy coordination, and relocation support.<br>
• Optimized onboarding programs to ensure a smooth transition for new employees.<br>
<br>
<strong>Employee Relations & Engagement:</strong><br>
• Served as a primary point of contact for employee concerns, providing effective conflict resolution.<br>
• Maintained accurate records for attendance, leave, and performance management.<br>
• Prepared employment contracts and offer letters in compliance with legal and company standards.<br>
<br>
<strong>Strategic HR Leadership:</strong><br>
• Collaborated with senior management to align HR strategies with business goals.<br>
• Analyzed HR trends and provided recommendations to enhance workforce planning and development.<br>
</p> at Saudi Central Bank
<ul>
<li>Drove sales growth by managing sales team in ProTrade building materials sector.</li>
<li>Expanded partnerships by developing pipeline for new business opportunities focusing on the ProTrade.</li>
<li>Analyzed sales data to identify trends and propose strategies for growth in building material product categories.</li>
<li>Monitored store performance against profit goals to ensure financial success.</li>
<li>Coached employees to enhance skills and drive sales through effective leadership.</li>
<li>Oversaw recruitment processes to maintain optimal staffing levels across all teams.</li>
<li>Managed multiple installation projects while adhering to strict deadlines and quality standards.</li>
</ul> at PC Home Center<ul>
<li>Drove sales growth by managing sales team in ProTrade building materials sector.</li>
<li>Expanded partnerships by developing pipeline for new business opportunities focusing on the ProTrade.</li>
<li>Analyzed sales data to identify trends and propose strategies for growth in building material product categories.</li>
<li>Monitored store performance against profit goals to ensure financial success.</li>
<li>Coached employees to enhance skills and drive sales through effective leadership.</li>
<li>Oversaw recruitment processes to maintain optimal staffing levels across all teams.</li>
<li>Managed multiple installation projects while adhering to strict deadlines and quality standards.</li>
</ul> at PC Home Center
<ul><li>Production Block Incharge Job Role: Operations, Control and Monitoring</li><li>1. All activities related to production and monitoring the process as per SOPs.</li><li>2. Communicate day to day process deviations and breakdowns of the equipment to concerned persons.</li><li>3. Check and implement the process for cleaning of equipment as per the schedules.</li><li>4. Responsible for housekeeping and implementation of day to day cleaning of process area & clean room.</li><li>5. Preparation, review and approval of monthly Reports and BPRs BCRs, OOS, Deviation, investigations reports, validation protocols reports, validation reports.</li><li>6. Responsible for preparation of daily production planning and ensuring the same.</li><li>7. Production planning, ensuring that the batches are produced as per planning and meeting the dispatch targets.</li><li>8. Ensure proper utilization of equipment and manpower as and when required.</li><li>9. Planning and monitoring during execution of the process validation.</li><li>10. Manpower planning. Monitor the project modification activities.</li><li>11. Responsible to handle production processes.</li><li>12. Implementation of new technology w.r.t. process equipments or facility.</li><li>13. Supporting quality assurance team for DMF submission.</li><li>14. Executing and supervising training, validation, qualification and calibrations protocols.</li><li>15. To perform visual inspection and certification of cleaned equipment after product change over cleaning as per standard operating procedure.</li><li>CGMP:</li><li>1. Following departmental standard operating procedures (SOP) and providing suggestions for SOP simplification and any other improvements.</li><li>2. Making sure all the documents and checklist are verified before and after manufacturing.</li><li>3. Ensuring retention and destruction of records are maintained in a department.</li><li>4. Verifying status labeling of accessories, in-process instruments, containers, area & equipment.</li><li>5. Performing contemporaneous (on time) document entries.</li><li>EHS:</li><li>1. Following Environment, Health and Safety policies and practices.</li><li>2. Making sure personnel health, hygiene and organization practices are followed.</li><li>3. To conduct risk analysis of product, system, equipment, process as per standard procedure.</li><li>Training</li><li>1. Attaining training as per training need and providing training to sub-ordinates through available software of Learning Management System (LMS).</li></ul> at MSN Group<ul><li>Production Block Incharge Job Role: Operations, Control and Monitoring</li><li>1. All activities related to production and monitoring the process as per SOPs.</li><li>2. Communicate day to day process deviations and breakdowns of the equipment to concerned persons.</li><li>3. Check and implement the process for cleaning of equipment as per the schedules.</li><li>4. Responsible for housekeeping and implementation of day to day cleaning of process area & clean room.</li><li>5. Preparation, review and approval of monthly Reports and BPRs BCRs, OOS, Deviation, investigations reports, validation protocols reports, validation reports.</li><li>6. Responsible for preparation of daily production planning and ensuring the same.</li><li>7. Production planning, ensuring that the batches are produced as per planning and meeting the dispatch targets.</li><li>8. Ensure proper utilization of equipment and manpower as and when required.</li><li>9. Planning and monitoring during execution of the process validation.</li><li>10. Manpower planning. Monitor the project modification activities.</li><li>11. Responsible to handle production processes.</li><li>12. Implementation of new technology w.r.t. process equipments or facility.</li><li>13. Supporting quality assurance team for DMF submission.</li><li>14. Executing and supervising training, validation, qualification and calibrations protocols.</li><li>15. To perform visual inspection and certification of cleaned equipment after product change over cleaning as per standard operating procedure.</li><li>CGMP:</li><li>1. Following departmental standard operating procedures (SOP) and providing suggestions for SOP simplification and any other improvements.</li><li>2. Making sure all the documents and checklist are verified before and after manufacturing.</li><li>3. Ensuring retention and destruction of records are maintained in a department.</li><li>4. Verifying status labeling of accessories, in-process instruments, containers, area & equipment.</li><li>5. Performing contemporaneous (on time) document entries.</li><li>EHS:</li><li>1. Following Environment, Health and Safety policies and practices.</li><li>2. Making sure personnel health, hygiene and organization practices are followed.</li><li>3. To conduct risk analysis of product, system, equipment, process as per standard procedure.</li><li>Training</li><li>1. Attaining training as per training need and providing training to sub-ordinates through available software of Learning Management System (LMS).</li></ul> at MSN Group
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.