General Manager – Operations & Commercial at D N Construction (2012-09 – Present)
One of Gujarat's established civil construction contractors executing government-awarded infrastructure, road, and building projects across North Gujarat. Joined as Operations Manager; expanded mandate across all commercial, financial, and project management functions over 13-year tenure.
- Directed end-to-end execution of 25+ simultaneous civil and infrastructure projects — leading a cross-functional team of 100 people including civil engineers, site supervisors, and a CA — coordinating with government departments to ensure on-time delivery within sanctioned budgets.
- Delivered 25 projects within budget over a 5-year period, establishing a track record of cost discipline through milestone-based MIS dashboards that enabled proactive identification and resolution of schedule and cost variances.
- Managed manpower planning and deployment across active project sites; reduced idle time and workforce costs through structured scheduling aligned with project phases, supporting a consistent team of 100+ personnel.
- Oversaw procurement of materials, plant & equipment, and subcontractor services; implemented centralized vendor database reducing procurement cycle time and improving price benchmarking across all active projects.
- Led the company's complete tendering function managing a portfolio of ₹500 crore+ annually — preparing BOQs, cost estimates, rate analysis, and bid submissions for government and private sector projects in construction, roads, drainage, and allied works.
- Achieved a 60% bid success rate on competitive government and private tenders — above industry average — through rigorous competitive analysis, strategic rate positioning, and strict compliance with tender conditions, building a consistent pipeline of project wins.
- Administered contracts post-award including variation orders, claims processing, escalation negotiations, extension of time, and final account settlements with clients and consultants across ₹500 crore annual portfolio.
- Managed commercial risk on projects: reviewed contract terms, identified exposure areas, and implemented mitigation measures to protect project margins — contributing to 25 on-budget project deliveries over 5 years.
- Managed all banking relationships: structured and processed Letters of Credit (LC) and Bank Guarantees (BG) worth ₹100 crore+, plus performance security bonds and working capital facilities — all aligned with project cash flow requirements across a ₹500 crore annual portfolio.
- Prepared and reviewed financial statements, project-wise profit & loss accounts, and balance sheet entries for a 100-person operation; maintained internal audit readiness across all reporting periods.
- Coordinated with statutory authorities for GST compliance, TDS management, and annual filings; ensured zero non-compliance across reporting periods.
- Controlled project budgets end-to-end: tracked actuals vs. sanctioned costs, reported variances to management, and implemented corrective actions.
- Maintained and developed relationships with government departments including PWD, irrigation, municipal corporations, and road development authorities for permit approvals, inspections, and payment certifications.
- Ensured end-to-end statutory compliance: labour laws, environmental clearances, site safety regulations, and contractor licensing requirements.
Credit & Operations Officer at AU Financiers India Pvt. Ltd. (2011-02 – 2012-09)
AU Small Finance Bank predecessor entity — vehicle and SME lending operations.
- Evaluated loan applications through financial statement analysis, credit bureau checks, and field verification; maintained portfolio quality within approved delinquency benchmarks.
- Implemented process improvements in credit appraisal workflow — reduced average loan processing time and improved customer satisfaction scores for branch.
- Trained and mentored junior credit analysts, establishing consistent underwriting practices across team.
Partner & Operations Head at Rushil Computer Sales & Services (2009-12 – 2011-01)
- Co-founded and managed day-to-day operations of IT hardware and services business: sales, vendor negotiations, customer relationships, and P&L management.
- Built initial client base through direct outreach and referral network, achieving profitability within first year of operations.
Branch Accountant at Mahindra & Mahindra Financial Services Ltd. (2008-03 – 2009-11)
- Managed branch-level accounting, reconciliations, audit compliance, and financial reporting for vehicle finance portfolio.
- Conducted staff training on accounting procedures and audit preparedness; branch rated compliant in all internal audit cycles during tenure.
Various Commercial, Sales, and Operations Roles at Multiple (Rajesh Automobiles, Lion Tradelink Pvt. Ltd., Lion Tractors Marketing Co., Arbuda Tractors, Ashapuri Tractors) (1997-01 – 2008-12)
Progressive commercial, sales, and operations roles across Rajesh Automobiles, Lion Tradelink Pvt. Ltd., Lion Tractors Marketing Co., Arbuda Tractors, and Ashapuri Tractors — building deep expertise in dealer operations, inventory management, accounts, customer financing, and vendor relationships across the agri-equipment and automobile sectors.
