Mr. Krishnan Ramachandran holds a bachelor’s of technology in electrical and electronic engineering from Indian Institute of Technology, Madras, Tamil Nadu and holds a post-graduate diploma in management from Indian Institute of Management, Calcutta, West Bengal.

He has been associated with the Company since April 2020. He has over 24 years of experience across health insurance, healthcare & life sciences industries.

Previously, he has been associated with Apollo Munich Health Insurance Company Limited as their chief executive officer and has been a consultant with Deloitte Consulting L.P. and Arthur Andersen. He has also been associated with Apollo DKV Insurance Company Ltd. as their chief operating officer in 2007.

Mr. Vishwanath Mahendra joined the Company on March 24, 2020. He is responsible for developing and executing the Company’s financial strategy. He holds a bachelor’s degree in commerce from Chaudhary Charan Singh University, Meerut, Uttar Pradesh and is a fellow member of the Institute of Cost Accountants of India (erstwhile ICWAI).

He is also a chartered financial analyst from CFA Institute, US and a Fellow Member of Institute and Faculty of Actuaries, UK (FIA) and Institute of Actuaries of India (FIAI).

Prior to joining the Company, he was associated with Apollo Munich Health Insurance Company Limited (later on merged with HDFC Ergo General Insurance Company Limited) and was holding position of chief actuary at the time of exit. He has experience in health insurance space.

Mr. Ankur Kharbanda joined the Company on April 9, 2020. He is responsible for sales & distribution for the Company. He holds a post graduate diploma from FORE School of Management, Delhi.

Prior to joining the Company, he was associated with HDFC Ergo Health Insurance Company (erstwhile Apollo Munich Health Insurance Company Limited), and Bajaj Allianz General Insurance Company Limited. He has experience in health insurance space.

Mr. Bhabatosh Mishra joined the Company on April 9, 2020. He is responsible for underwriting, product development, claims management, HCP, FRCU (claims part) and ecosystem. He holds a bachelor’s degree in medicine, M.B.B.S from SCB Medical College, Cuttack, Odisha, Utkal University.

Prior to joining the Company, he was associated with TATA AIG Life Insurance Company Limited, Cholamandalam General Insurance Company Limited, SBI Life Insurance Company Limited, HDFC Standard Life Insurance Company Limited and Apollo DKV Insurance Company Limited. He has experience in health insurance space.

Mr. Padmesh Nair joined the Company on April 9, 2020. He is responsible for customer and partner onboarding, customer service, drive customer experience and portfolio management-renewal and cross-up sell.

He holds a bachelor’s degree in civil engineering from Nagpur University and a master’s of science degree in insurance & risk management from Cass Business School, London.

Prior to joining the Company, he was associated with HDFC Ergo General Insurance Company (erstwhile Apollo Munich Health Insurance Company Limited) from April 2008 and was the chief executive officer – digital business unit & member EXCO. He has experience in health insurance space.

Mr. Tarun Katyal joined the Company on March 12, 2018. He is responsible for heading human resources function. He holds a masters degree in personnel management and industrial relations from Panjab University, Chandigarh, Punjab.

Prior to joining the Company, he was associated with Sistema Shyam Teleservices Limited., Aditya Birla Retail Limited, Hindustan Coca Cola Beverages Private Limited, Nuclear Power Corporation of India Limited, Arisht Spinning Mills, Auro Spinning Mills, Gontermann- Peipers (India) Limited and Bharti Airtel Limited.

Mr. Rajat Bajaj brings with him 23+ years of rich experience and has a strong background in risk, compliance, secretarial and legal domains. He has completed his Bachelor of Laws from Law Faculty, Delhi University, and graduated in Commerce from Guru Gobind Singh College of Commerce, Delhi University. He is also a member of Institute of Company Secretaries of India. Prior to joining the Company, he was working with Tata AIA Life Insurance, where he served as Executive Vice President - Chief Risk & Compliance Officer was instrumental in transitioning Tata AIA into a proactive risk & compliance driven organization, while leading the regulatory affairs, compliance assurance, information security, ethics, fraud management, financial & operational risk functions for the organization. He has also worked with leading organizations such as Axis Max Life Insurance Co. Ltd., Sun Life Financials and SBI Cards & Payment Services.

Mr. Rajat Bajaj brings with him 23+ years of rich experience and has a strong background in risk, compliance, secretarial and legal domains. He has completed his Bachelor of Laws from Law Faculty, Delhi University, and graduated in Commerce from Guru Gobind Singh College of Commerce, Delhi University. He is also a member of Institute of Company Secretaries of India. Prior to joining the Company, he was working with Tata AIA Life Insurance, where he served as Executive Vice President - Chief Risk & Compliance Officer was instrumental in transitioning Tata AIA into a proactive risk & compliance driven organization, while leading the regulatory affairs, compliance assurance, information security, ethics, fraud management, financial & operational risk functions for the organization. He has also worked with leading organizations such as Axis Max Life Insurance Co. Ltd., Sun Life Financials and SBI Cards & Payment Services.

Mr. Nimish Agrawal joined the Company on June 10, 2021. He is responsible for leads brand & channel marketing, corporate communication, media planning and buying, performance marketing and digital sales for strategic partners and alliances.

He holds a bachelor’s degree in engineering from University Institute of Technology, Bhopal, Madhya Pradesh and a post graduate diploma in management from Institute of Management Technology, Ghaziabad, Uttar Pradesh.

Prior to joining the Company, he was associated with Infoedge (Naukri.com) and Akzo Nobel India Limited. He has experience across Insurance, Consumer Internet, Paints and FMCG sectors.

Mr. Dhiresh Rustogi joined the Company on September 18, 2023. He is responsible for management of information technology in the Company. He holds a bachelor’s of technology degree in chemical engineering from Indian Institute of Technology, Kharagpur, West Bengal.

Prior to joining the Company, he was associated with Uno Asia Pte Ltd., Citibank N.A. Singapore and Citibank Associate India. He has experience in information technology space.

Mr. Vikas Jain joined the Company on September 2, 2015. He is responsible for handling investment function, financial planning and investor relations. He is a member of Institute of Chartered Accountants of India and has completed a post graduate programme in management from Indian School of Business, Hyderabad.

Prior to joining the Company, he was associated with Quickdel Logistics Private Limited, Max Life Insurance Company Limited, Max India Limited, GE Capital International Services and Global Vantedge Private Limited. He has experience in the field of investment management and finance.

Mr. Manish Sen joined the Company on January 31, 2021. He is responsible for leading the actuarial function. He holds a master’s degree in science from the Delhi University and is a fellow member of Institute of Actuaries of India.

Prior to joining the Company, he was associated with HDFC Ergo General Insurance Limited (erstwhile Apollo Munich Health Insurance Company Limited), McKinsey Knowledge Centre and Towers Watson India Private Limited. He has experience across consulting and insurance sectors.

Ms. Smriti Manchanda joined the Company on August 9, 2017. She is responsible for the Internal Audit function of the Company. She is a qualified chartered accountant from the Institute of Chartered Accountants of India and holds a bachelor of commerce (honors) degree from University of Delhi. She is a certified project management professional since December 2020.

Prior to joining the Company, she was associated with Genpact India Private Limited, CPA Global Support Services India Private Limited., Evolvence Advisory Services Private Limited (now known as Religare Advisory Services Limited), ICICI Bank Limited and Technovate eSolutions Private Limited. She has work experience in the field of internal audit.

Ms. Joanne Elizabeth Woods joined the Company on July 20, 2023. She is responsible for creating and executing the complete enterprise risk management framework encompassing all risk categories including; insurance risk, market risk, operational risk, information security and cyber risk and other risks such as strategic and regulatory for the Company.

She holds a bachelor’s degree in International Relations and Strategic Studies from Lancaster University, a Level 3 certification from the Chartered Institute of Insurers. Prior to joining Niva Bupa, she worked in the capacity of risk & governance director at various office locations of Bupa. She has experience in risk and governance management.

Mr. Rajat Sharma joined the Company on April 6, 2016. He is responsible for Company Secretarial function. He is a fellow member of Institute of Company Secretaries of India. He holds a bachelor’s degrees in commerce and law from Dr. Bhim Rao Ambedkar University, Agra, Uttar Pradesh.

He also holds a Post Graduate Diploma in Management for completion of Executive Management Programme from Management Development Institute, Gurugram, Haryana. Prior to joining the Company, he was associated with Vatika Limited. He has experience in managerial and secretarial compliances.

Mr. Vipul Sharma has over two decades of work experience in Financial services. He holds a Bachelor’s degree in Science and Master degree in Finance and Control.

Prior to joining the Company, he served to Bharti AXA Life Insurance as Chief Risk Officer (CRO) & prior to that, he had worked with HDFC Ergo Health Insurance (erstwhile Apollo Munich Life Insurance) as Head Internal Audit. He has also worked with ICICI Prudential in various roles including Internal Audit, Operations & customer service and with ICICI Bank in credit function.