As a Coach I follow the Fulfilment Coaching Model wherein I help my clients discover their own magnificence and consciously aligning all their actions thereto to achieve both success and fulfilment in their lives. In doing so I live my own Life Purpose, Values and Gifts as under. My Life Purpose: I am honour and faith, belief and responsibility for myself and others in a joyous journey of excellence, fulfilment and self realisation. My Values: Open minded, Helpful, Honest, Excitement, Commitment. My Gifts: Envisioning possibilities, Setting standards, Connecting and Communicating with people, Sharing, Giving, Listening, Supporting Others

Organisation, Business & Responsibilities:Mom & Me (now Baby Oye) branded One Stop Retail Stores for Mother and Child and Toy stores. Company turnover F16 Rs. 2.3 billion. Responsible for Finance & Accounting, MIS, Taxation, Information Systems, Legal and Human Resources functions. Work with MD/CEO on Strategy & Planning.Performance enhancement Mentor for 12 Retail Stores in Gujarat M.P and Rest of Maharashtra (excl Mumbai) from October 2013 – March 2014Responsible for All India Distribution Business (Annual Sales of Rs.300 million) since January 2014 - March 2015Managing Director, Retail Initiative Holdings Limited (Holding Co.)Director, Mahindra Internet Commerce Pvt. Ltd. (Subsidiary Co.)Key achievements:Part of management team from drawing board stage of project.Prepared final project plan with CEO for approval of Mahindra & Mahindra and 26% Private Equity investor ICICI Venture Capital.Obtained investment approval for Rs.784 million from ICICI Venture.Responsible for contract evaluation and execution for service providers for first brand/marketing/advertising, logistics & IT contracts.Set up working capital facilities with HDFC Bank and later with Vijaya Bank & Axis Bank for Rs.370 million. Set up Term Loan facility for store expansion with Vijaya Bank & Axis Bank for Rs.350 million.Obtained investment grade rating for company’s debt programme for Rs. 1.1 billion.Led the company’s market and consumer study for business model orbit shift innovation with Erehwon Consulting, Bangalore.

Organisation, Business & Responsibilities:Club Mahindra, India’s premier Life Time Holiday & Hospitality Company. Company turnover F07 ~ Rs.3.35 billion/year. Responsible for Finance & Accounting, MIS, Taxation, Information Systems, Legal and Purchase functions. Worked with MD/CEO as part of the Long-term Strategy formulation and Delivery responsibility team.Key achievementsDriving Strategic Change. Refined the financial model into 3 independent revenue steams; Enrolment Fee, Annual Maintenance Fee and Resort revenues with parallel changes in membership contract. Reengineered the financial structure – Arranged medium term financing from HDFC Ltd. to replace expensive ICICI Term Loans, released all company fixed assets mortgages; Ensured (non rated) future financing by securitizing receivables as necessary. Moved Enrolment Fee EMI cheque management to start up efficient low cost cheque depository company to facilitate easier securitization. Worked with CEO and senior management team to develop (and later implement) Long term Strategic Plan framework (as above) with Mckinsey & Co.Managed and led comprehensive Business Process Review and IT framework in conjunction with KPMG India .Set up offices/sales operations in Dubai Internet City & Kuwait in 2002.Other achievements:Preparation for IPO and filing of DRHP with Kotak Investment Bank and other service partnersSuccessfully managed with internal team and legal counsel company's Income Tax Appeals involving income tax demand of over Rs.1 billion.

Information Technology Training & Consultancy company set up in 1997. Exclusive IBM Career training (ACE/ACSE) partner for Mumbai and PuneLotus Authorised Education Center (LAEC). Lotus Notes Applications Development Company.

Organisation, Business & Responsibilities:Indian shipping company with focus on carriage of liquid cargo & gas.Turnover of over INR 1.8 billion and profit of INR 200 million in 1998-99. Responsible for Finance, Accounting, MIS, Taxation, Information Systems and Risk Management.Key achievements between 1993 & 1999:First Mover in Raising funds using Sale & Leaseback financing from Alpic Finance and ILFS aggregating INR 550 million.Raised foreign currency debt for new ship acquisitions of USD 50 million including Bridge Financing for purchase of 2 ships of aggregate value of USD 25 million under one year Letters of Credit. Setting up of Singapore subsidiary and funding for equity investment funding of INR 75 million therein from Exim Bank of India.Swapped high cost and covenanted USD loans from IFC, Washington and ICICI with FCNR loans of USD 22.5 million from SBI/BOB.Raised Non Convertible Debentures of INR 250 million from IDBI, SCICI and Bank of Baroda.Key achievements between 1989 & 1993Conceptualised, developed and implemented online accounting system with customised accounting software developed by NIIT Ltd.Introduced a comprehensive system for preparing and presenting ship finance proposals.Arranged and negotiated financing of two offshore ships aggregating USD 5 million from SCICI Ltd.Developed foreign exchange risk management organisation and systems and actively traded foreign exchange positions generating profits in excess of INR 350 million.Was key member of team in the raising of equity (FCDs) from the Indian capital markets aggregating INR 520 million.Convinced Reserve Bank of India in 1990 to permit 100% hedging of foreign exchange risk based on Loan & Investment agreement with IFC Washington one year prior to first loan drawdown.Raised equity investment and debt from IFC, Washington aggregating USD 16.67 million in difficult market conditions.

Organisation, Business & Responsibilities:Manufacturer of portable electric generators.Turnover of over INR 250 million in 1988-89.Responsible for corporate finance and treasury, accounting, costing and MIS, taxation including excise duty and sales tax, project finance and risk management.Assisted the President in the preparation of strategic and tactical plans and in multiple troubleshooting interventions involving government applications for PMP approvals, production planning, foreign collaborator issues, imports & purchase and labour/union matters.Key achievements:Computerised the company’s manual “Partha” MIS system. Transformed the company’s accounting platform to high end TCS MasterKey FA software platformArranged project cost overrun financing aggregating INR 100 million from consortium of lenders (led by ICICI) arising from adverse movement of Japanese Yen and from changes and delays in project.Developed and put in place foreign exchange risk management system.Successfully argued and settled without tax liability a major Excise Duty case involving a demand of Rs.12.7 million.

Organisation, Business & Responsibilities:Norwegian Ship Classification & Certification companyIndia revenues INR 350 – 400 million.Responsible for all finance, accounting and legal functions reporting directly to the Worldwide Financial Controller in Norway, Oslo.Key achievements:Computerised accounting operations for the region comprising four countries.Coordinated the establishment of new office in Karachi, Pakistan.Responsible for legal matters for all contract documentation (esp with main customers ONGC & GAIL) in region and coordination with solicitors as necessary.

Organisation, Business & Responsibilities:For Technecon Group (main companies - Peerless Fabrikkerne (India) Ltd. and Clarostat India Ltd), SEEPZ, Bombay. Electronic Component, Portable Loudspeaker Manufacturers. Group revenues INR 30 million in 1985.Responsible for finance, accounting, MIS, taxation, legal matters and labour dispute resolution.Assisted the Managing Director in the preparation of strategic and tactical plans and in multiple troubleshooting interventions involving production planning, foreign collaborator issues, and labour/union matters.Key achievementsArranged funding of INR 5 million for Peerless Fabrikkerne (India) Ltd. from Central Bank of India.Negotiated and settled old liabilities/claims payable to parent company resulting in waiver of dues of approx. INR 6 million.Responsible for presenting company legal brief on behalf of Clarostat India Limited in Labour Courts against labour union of Dr. Datta Samant and on behalf of Peerless Fabrikkerne (India) Ltd. in successful labour negotiations with labour union of Mr. Gulab Joshi.Arranged rehabilitation funding of INR 3 million from Industrial Reconstruction Corporation of India / State Bank of India for Clarostat India Limited.

Organisation, Business & Responsibilities:Premier Chartered Accountants firm (now part of Deloitte). Articled and worked under Senior Partner Y.H. Malegam. Audit assignments - HDFC (during its formation in 1977), GSFC Baroda, Tata Electric companies, Voltas, Cotton Corpn. of India, TISCO (Tata Steel), TELCO (Tata Motors), Indian Hotels.Key achievements:Audit Manager - (Tata Steel), Tata Electric companies and Indian Hotels.Acting Audit Manager (directly under Partner in final year of Articleship) for TELCO (Tata Motors) and Tata Electric companies audits .Management Consultancy - single handedly evaluated and reported on the computerisation of TELCO Pune’s material subcontracting accounting system (MASOP) covering over 1000 vendors over a four month period in 1980.