 Finance professional with over 19 years of extensive experience in Automotive and Banking industry involving Working Capital Management, Wholesale and Retail Finance, Profitability Analysis, Framing Process and Policy, Analytics, Credit Management, Statutory, Internal and Management Audit, Business Development, Insurance Cross Selling ( Life and Non Life), Relationship and Team Management Currently working as Deputy General Manager – Head Channel, Retail Finance, Insurance and Dealer Profitability for Automotive Sector of Mahindra & Mahindra Ltd. Domain expert in managing various working capital / credit operations, conducting risk analysis basis financial statements/projections, profitability analysis and recommending for improvements, designing processes and policies An effective communicator/ speaker with ability to clearly and succinctly report complex issues, business impact and recommendations for improvement Have a drive-for-results attitude, with the desire to create an impact and add value to the organisation and have the ability to promote ideas and work effectively with all levels within the organization