Ratna Bindu

Commercial & Finance Leader with 25+ years of experience across logistics, ICDs, PFTs, bulk cargo, infrastructure, and terminal operations. Expertise spanning pricing strategy, commercial operations, customer profitability, accounts receivable, accounts payable, credit & collections, contract management, vendor negotiations, revenue assurance, and business planning. Proven ability to develop commercially viable pricing models, negotiate customer and vendor agreements, strengthen receivables and payables controls, improve revenue realization, manage working capital, and support profitable business growth.

Experienced in working with major customers, vendors, Indian Railways, government organizations, operations teams, finance teams, and other key stakeholders.

NDR Infrastructure Pvt. Ltd. (2025-08 – Present)

• Lead commercial planning, business strategy, and financial planning for the development and operationalisation of a Private Freight Terminal (PFT) at Karjat.
• Develop pricing strategies, tariff structures, and service offerings to support customer acquisition, revenue growth, and long-term profitability.
• Prepare revenue forecasts, financial models, budgets, business plans, and commercial feasibility assessments to evaluate project viability and growth opportunities.
• Lead customer and vendor commercial negotiations, including pricing, payment terms, contractual conditions, service requirements, and commercial agreements.
• Manage contractor finalisation, vendor onboarding, work orders, vendor agreements, and commercial documentation.
• Oversee vendor bills verification, invoice validation, payment processing, and coordination with Finance and Operations to ensure timely and accurate settlements.
• Monitor Accounts Payable and vendor outstanding balances, ensuring compliance with agreed commercial and contractual terms.
• Support Accounts Receivable, customer billing, collections, and revenue assurance activities in coordination with the finance and commercial teams.
• Collaborate with Indian Railways, customers, contractors, vendors, and other key stakeholders to establish commercially viable operating models and facilitate project execution.
• Lead stakeholder engagement and regulatory coordination to support timely development and successful implementation of the PFT.
• Evaluate market opportunities, customer requirements, operating costs, and competitive pricing to identify opportunities for revenue enhancement and business expansion.
• Partner with cross-functional teams to strengthen commercial controls, cost management, vendor governance, and overall project profitability.

GENERAL MANAGER at Lakshmi Narasimha Swamy Infrastructure Pvt. Ltd. (2024-04 – 2025-06)

• Led pricing strategy, commercial operations, customer engagement, and contract administration for major customers including JSPL Steel, FCI, Civil Supplies, fertilizer companies, salt producers, and cotton traders.
• Developed customer-specific pricing frameworks, tariff structures, costing models, and profitability analyses for cargo handling and logistics operations.
• Negotiated and structured commercial agreements, pricing terms, payment conditions, and service arrangements to strengthen customer retention and improve revenue growth.
• Designed and implemented Customer Master, Credit Management, Accounts Receivable, and Collection Frameworks for key customers including JSW, Reliance Industries, Shipping Lines, Domestic Container Operators, and bulk cargo clients.
• Strengthened credit control and collections through customer-wise credit limits, outstanding monitoring, ageing analysis, collection follow-ups, and escalation mechanisms.
• Improved revenue realization and commercial governance through systematic pricing controls, contract compliance, billing validation, and revenue assurance.
• Developed customer profitability dashboards, MIS reports, revenue analysis, and commercial performance reports to support management decision-making.
• Conducted market, customer, and competitor analysis to identify pricing opportunities, improve commercial positioning, and support business expansion.
• Worked closely with Sales, Operations, Finance, and customers to develop commercially viable solutions aligned with service requirements and profitability objectives.
• Managed vendor and service-provider commercial engagements, including negotiations, contractual terms, work orders, invoice verification, and payment coordination.
• Supported management in business planning, revenue forecasting, customer profitability assessment, and commercial strategy for sustainable growth.

Senior Manager - Finance at DP World Multimodal Logistics Pvt. Ltd. (2011-07 – 2024-03)

• Led customer pricing, commercial strategy, and revenue management for key accounts including JSW Steel, Reliance Industries, Shipping Lines, Domestic Container Operators, and bulk cargo customers.
• Managed commercial and pricing support for ICD and PFT operations, covering containerized and bulk cargo movements.
• Developed pricing models, tariff structures, costing frameworks, and customer-specific commercial solutions across logistics, warehousing, transportation, terminal, and cargo-handling services.
• Conducted customer profitability analysis, contribution analysis, and yield reviews to support pricing decisions, revenue optimization, and margin improvement.
• Partnered with Sales, Operations, Finance, and customers to develop commercially viable solutions aligned with customer requirements, operational capabilities, and profitability objectives.
• Structured and negotiated customer contracts, tariff frameworks, service agreements, commercial terms, and payment conditions.
• Designed and implemented Customer Master, Credit Management, Accounts Receivable, and Collection Frameworks, strengthening credit controls, receivables management, and cash-flow governance.
• Monitored customer outstanding balances, ageing, credit limits, collections, and payment commitments, working with customers and internal teams to improve receivables realization.
• Strengthened Accounts Payable and vendor payment processes through systematic vendor onboarding, commercial validation, invoice verification, reconciliation, and payment coordination.
• Led vendor negotiations covering pricing, payment terms, service conditions, contractual requirements, and commercial agreements.
• Managed vendor contracts, work orders, service agreements, bill verification, and payment processes, ensuring compliance with agreed commercial terms.
• Implemented robust billing controls, pricing governance, contract compliance, and revenue assurance mechanisms, reducing revenue leakage and improving revenue realization.
• Developed MIS dashboards and management reports covering volumes, revenue, profitability, customer performance, receivables, collections, pricing, and market trends.
• Led multiple revenue management and yield optimization initiatives that supported improved terminal utilization, customer profitability, and overall commercial performance.
• Supported business expansion and customer acquisition through market analysis, competitive benchmarking, pricing recommendations, and commercial planning.
• Provided management with commercial insights, financial analysis, revenue forecasts, and profitability assessments to support strategic and operational decision-making.
• Key Customers / Segments: JSW Steel | Reliance Industries | Shipping Lines | Domestic Container Operators | Fertilizer Companies | FCI – Rice & Wheat | Salt & Soda Ash Customers | Bulk Cargo Customers

Manager - Finance & Commercials at Sri Lakshmi Balaji Builders (2003-06 – 2011-06)

• Managed commercial planning and contract administration for government infrastructure projects.
• Supported tender pricing, project costing, and contract negotiations.
• Monitored commercial performance and project profitability.
• Implemented budgeting and cost-control measures that improved project margins.

Manager - Commercials & Accounts at Sri Karthikeya Enterprises (1997-06 – 2003-05)

• Managed commercial operations for a chemical import business.
• Conducted product costing, pricing analysis, and profitability assessments.
• Negotiated supplier contracts and commercial terms.
• Developed pricing models that improved cost visibility and margin management.

Bachelor of Commerce (B.Com) – Andhra University (1993 – 1993)