Co-Founder and Promoter

• May 2019 - Present

We are brokers for commercial lines of business and also specialist in health insurance. The company also provides online health insurance options with a vast variety to choose from. We are brokers for commercial lines of business and also specialist in health insurance. The company also provides online health insurance options with a vast variety to choose from.

Co-Founder and Promoter

• May 2019 - Present

Founder and Co-Promoter of Sana Health Solutions, a Digital Fintech Start-up, developing, to cater to the millennials, to help sort out their health concerns relating to well being, finance and insurance, with a twist. Founder and Co-Promoter of Sana Health Solutions, a Digital Fintech Start-up, developing, to cater to the millennials, to help sort out their health concerns relating to well being, finance and insurance, with a twist.

Practice Leader

• Feb 2016 - Present

Independent Insurance and Risk Management Consultant

• Apr 2016 - Mar 2017

Strategic risk management consultancy for solar and wind businesses from a perspective of short and long term financial impact. Strategic risk management consultancy for solar and wind businesses from a perspective of short and long term financial impact.

Risk Management Specialist

• Sep 2014 - Feb 2016

TransValue Consultants, are a boutique management consultancy firm of Actuaries, Valuers and Risk Advisors. www.transvalueconsultants.com.We provide holistic, Enterprise Wide Risk Management solutions.My services in the consultancy group provide for identification, analysis, measurement and transfer of management risks and exposures, through insurance or alternate risk transfer mechanisms. It would relate to management liability, corporate financial exposures or safety & security of various stake holders. My in-depth technical and acquired skills over a period of 35 years tremendously enhance the value propositions.It compulsorily involves taking cognizance of management objectives and company strategies, for developing a sustainable, integrated and scale-able program, in a way that it adds to the growth and profitability of a company. This leads to advising on proactive management of future contracts and engagements. The success depends on having a buy in of all stake holders and collaborating towards building a culture of treating the company risks and exposures and as one's own.Robustness of the program also comes with strong insurers, re-insurers and brokers. My global experience having worked with 23 countries and integrating 30, out of Hong Kong, USA and India, empowers the clients, in selection of risk management partners and with flow of insurance and risk knowledge, optimally suited to the evolving needs of the organization.Finally, success of various risk management programs, is enabled through well documented processes for management of the risks, right from prevention, mitigation and timely financial recovery from alternate risk takers.

Sr. Insurance Officer

• Apr 2013 - Jun 2014

IFC affords a very different perspective of management styles and perspectives which are geared to achieve the twin objectives of The World Bank Group of "Ending Extreme Poverty" & Boosting Shared prosperity". Collaborative and defining, the effective solutions with finance towards a worthy cause, developed in me, a more caring & collaborative approach towards insurance. The key effort was to be extra sensitive towards the smaller clients (borrowers) and creating options, yet not losing the covers for essential drivers. Strong understanding of various finance agreements and risk management covenants, and insight into the financial models. The financial and professional liability for financial institutions’ is well practiced. World class Property and & Casualty and Financial lines insurance solutions are provided to more than 250 clients of the developing markets with encouragement to locally compliant insurance contracts. The variety of industries of investee companies, the multitude of resources, internal and external, honed the skills of evaluating the exposures. This enhances the credibility of proposed solutions from an IFC Internal insurance advisor and enables the clients to get well defined covers based upon the experience of international markets.

Vice President & Head, Global Insurance

• Feb 2010 - Mar 2013

Collaborated with Chairman and Group CFO in risk management of Wind Turbine life cycle, which entailed predictive modeling of fault rates and costs associated over a 20 year period. Built in intelligence accepted by insurance markets for pricing of warranty covers.Strategic directions given for globalization. The position entailed capturing global exposures across various regions and then assimilating them into insurance programs that seamlessly cater to the needs of the corporation and removed redundancies from long term sustainability. Substantial savings of US$ 30Mn were achieved in premiums and claims.With 5 continents and approx 30 locations, the key art was to understand the uniqueness in which the perils, affect the operations and putting them into perspective to have optimal solutions through the insurance or ART route. Leadership in handling unique challenges posed for Global Programs operability and resolved effectively, from India. The biggest challenge was to have an integrated program and yet have legal compliance in different jurisdictions. Behind which followed a robust claims management program put in place so that there is seamless coordination and gaps are hedged.Experienced thourough understanding of management of Global Property, D&O, CGL, Marine, Reverse Credit, Warranty insurance covers.Analysed and developed robust Standard Operating procedures for insurance and claims management globally.Developed web based, five language internal insurance risk management program.Management of this position was accentuated by my previous experiences in Re-insurance, overseas eight year in Hong Kong and the strong foundation laid through the Fellowship of the insurance Institute of India.

VP Global Business Relations and Foreign Inward re-insurance

• Apr 2008 - Feb 2010

Development of strategic overseas alliances with Foreign Insurance Companies and Brokers for developing a new inward facultative reinsurance portfolio. Key markets focussed were the MENA and Far East. Though a new player, created an impact in those markets and a profitable portfolio and was recogonised as an alternate to the General Insurance Corporation. Development of strategic overseas alliances with Foreign Insurance Companies and Brokers for developing a new inward facultative reinsurance portfolio. Key markets focussed were the MENA and Far East. Though a new player, created an impact in those markets and a profitable portfolio and was recogonised as an alternate to the General Insurance Corporation.

AVP-Global Business Relationships & Techno Marketing

• Apr 2007 - Mar 2008

Development of strategic value partnership with foreign insurance and reinsurance companies for facilitating cross insurance placement of large multinational clients of India and overseas, a value addition offering. Development of strategic value partnership with foreign insurance and reinsurance companies for facilitating cross insurance placement of large multinational clients of India and overseas, a value addition offering.

AVP-Business Head

• Feb 2002 - Mar 2007

Operational incharge for the Delhi National Capital Region. Helped set up and manage the growth of the new company in the Northern region and became the second most profitable region in the country. The key focus was management of new relationships with large clients, producers, company branch offices and development of strategic business models for revenue generation. Operational incharge for the Delhi National Capital Region. Helped set up and manage the growth of the new company in the Northern region and became the second most profitable region in the country. The key focus was management of new relationships with large clients, producers, company branch offices and development of strategic business models for revenue generation.

General Manager

• Jun 1999 - Jan 2002

Insurance broker in the Hong Kong Market dealing with customers in the entire Far East Region. Insurance broker in the Hong Kong Market dealing with customers in the entire Far East Region.

Manager-Direct Broking

• Feb 1994 - Jul 1999

Manager for Direct broking, for this MNC company. Boda's were Indurance and Reinsurance broking company. Responsible for setting up and running the Direct broking arm in Hong Kong. Manager for Direct broking, for this MNC company. Boda's were Indurance and Reinsurance broking company. Responsible for setting up and running the Direct broking arm in Hong Kong.

Assistant Administrative Officer-Development

• Oct 1990 - Feb 1999

Marketing Insurance to Large Corporates and doing a total risk mangement Marketing Insurance to Large Corporates and doing a total risk mangement