Chartered Accountant with over 15 years of post-qualification experience across finance, risk management, and operations. Proven expertise in the hydrocarbon sector, with a strong understanding of trading operations, risk and mid/back-office functions, and end-to-end business processes. Skilled in credit risk assessment, policy implementation, financial controls, and compliance. Adept at driving efficiency, ensuring governance, and supporting strategic decision-making through financial insight and process optimization.
Overview
17
17
years of professional experience
2
2
Certification
Work History
Finance Lead - International Trade & Risk Management
Reliance International Limited
01.2022 - Current
Handled trade finance and commercial operations for exports worth USD 42 billion annually
Provided strategic leadership and oversight of back-office operations for pre-shipment and post-shipment activities, ensuring efficient and compliant processing of high-value petroleum export transactions.
Managed credit risk exposure by monitoring transaction volumes, ensuring adherence to internal counterparty credit limits and corporate risk frameworks.
Coordinated with international buyers on post-deal commercial matters, ensuring robust credit control and timely realization of export proceeds to optimize working capital requirement.
Identified and regularly monitored cost improvement opportunities, leading to a savings of USD 0.3 million through strategic optimization of tender economics.
Conducted monthly business-level balance sheet reviews, identifying and resolving discrepancies in a timely manner.
Contributed to the design and execution of innovative financing structures, facilitating advance funding of USD 6.0 billion in the previous financial year.
Ensured full compliance with applicable financial regulations, including transfer pricing norms, KYC, and cross-border trade documentation standards.
Led due diligence for onboarding new counterparties, analyzing financial statements and key risk parameters.
Oversaw preparation and review of internal MIS reports, performing in-depth variance analysis to identify revenue optimization opportunities.
Partnered with overseas subsidiaries (Singapore & USA) to analyze budgets, forecasts, cash flows, and working capital requirements.
Segregated controllable vs non-controllable variances to maximize profitability through actionable financial levers.
Project Finance & Cash Flow Management
Kalpataru Power Transmission Limited
Armenia
01.2015 - 01.2016
Extensive experience across core FP&A functions, supporting strategic and operational decision-making within refinery operations.
Prepared and analyzed Daily Gross Refinery Margin (GRM) reports, as well as weekly, monthly, and annual business plans, aligned with corporate targets and market trends.
Developed and monitored Refinery cash flow forecasts, conducting detailed comparisons with the annual plan and identifying key variance drivers.
Reviewed crude procurement costs, benchmarked against plan, and performed variance analysis; investigated and documented exceptional cost items with root-cause explanations.
Coordinated with clients to ensure timely release of payments for completed construction work.
Monitored working capital requirements and managed deployment of surplus funds in liquid instruments for short-term needs.
Liaised with consultants and legal teams to represent the organization in ongoing dispute cases.
Managed cash flows and worked closely with banks to ensure adequate funding and credit facilities.
Prepared variance analysis comparing the annual plan with Cost to Completion (CTC) to support financial control and planning.
<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.