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Canara HSBC Life Insurance - Brief Profile of The Management Team
Our Management Team and Key Persons
John Holden
Chief Executive Officer(CEO)

John has previously held the roles of Chief Operating Officer of Hana HSBC Life Insurance in South Korea, the founding Chief Executive of HSBC Life Insurance in Taiwan, board member of HSBC Insurance Holdings (Asia), and has also run HSBC's insurance businesses across the Middle East.He can be described as a bancassurance specialist in emerging markets.

In a 28-year career spanning both banking and insurance with the HSBC Group, starting in the UK, John has spent the last ten years living in four different countries in the Middle East and Asia. Declaring a preference for 'the path less-traveled', John enjoys living and working in different countries, learning about new cultures and trying to appreciate how to lead and manage in different ways, with different people.His ultimate challenge is doing things that haven't been done before.
Vishakha RM
Director- Sales & Marketing and Chief Marketing Officer(CMO)

She is a Chartered Accountant with an extensive experience of over 25 years in insurance - both life and non-life sectors. Vishakha brings in a wealth of expertise in bancassurance model, being instrumental in setting up the bancassurance channel for Birla Sun Life Insurance and IDBI Federal Life Insurance. With her strong exposure to group business and deep understanding of the dynamics of the market, she has delivered high-performance results. Her competence in sales and marketing functions along with her understanding of the impact on cost and profitability, have been instrumental in establishing successful and profitable sales models in the companies she has worked with.
Ritu Arora
Director Investments/Procurements and Chief Investment Officer(CIO)

Ritu Arora is a founder member.She has over 16 years of experience and has been in the insurance sector ever since it opened up to private players. Prior to her current role, Ritu was heading the Investment function at MetLife India Insurance.

Ritu has played a key role in launching and taking Canara HSBC Oriental Bank of Commerce Life Insurance from strength to strength. As the Chief Investments Officer, she has successfully established and developed the Investments function, with the objective of maximizing shareholder and policyholder return. She leads a team of highly qualified and motivated fund managers and analysts. The company has delivered strong and consistent fund performance across all unit-linked portfolios and demonstrates strong CAGR outperformance over benchmarks.

Ritu also has the additional responsibility of the Procurements function. Her focus is to centralize the function, deliver end-to-end vendor experience and management.

Ritu is a Post Graduate in Management from S.P. Jain Institute of Management and Research, and has completed ICWAI (Institute of Cost and Works Accountants), securing all India 32nd rank. She is also a University Gold medalist
Chirag Jain
Chief Operating Officer(COO)

Chirag joined us in 2010. In his former role, Chirag was COO of Commercial International Life Insurance Company S.A.E., Egypt, where he played a key role in the transformation of the company.

Chirag has over 18 years of experience in the banking, financial services and insurance industry.

He has graduated from IIT, Delhi and has done his post graduation from IIM, Ahmedabad.
Chirag Rathod
Appointed Actuary and Director - Products and Strategy

Chirag has over 14 years of experience in the life insurance industry, including at the Equitable Life Assurance Society and Pricewaterhouse Coopers in the UK.

His responsibilities include: contributing to the development of the Company's strategic plans, developing and implementing the actuarial, investment and asset liability strategies and programmes, leading the Company's product development from ideation through to pricing, product design and post-launch activities, protecting policyholders' interests by ensuring the Company maintains sufficient reserves for policyholder liabilities, maintains a strong solvency position and the financial condition of the Company is sound overall.

Chirag is a Fellow member of both the Institute of Actuaries in UK (FIA) as well as the Institute of Actuaries of India (FIAI). He also holds a BSc. (Hons) First Class from the London School of Economics and Political Sciences.
Vikas Anand
Head Compliance, Legal & Internal Audit and Chief Compliance Officer(CCO)

Vikas Anand is a Chartered Accountant. He is responsible for developing and managing a compliance and legal framework and providing business enabling solutions. He is also responsible for the delivery of risk-based audits and establishing international best practices.

Prior to this current role, Vikas was with Ernst & Young, for over 11 years, including 4 years with Ernst & Young UK . Vikas has advised his clients on various matters including audits, risk and controls, regulatory compliance and guidance under Indian and UK GAAP.
Anuj Mathur
Company Secretary and Chief Financial Officer(CFO)

Anuj is a founder member.He is responsible for Finance and Corporate Governance functions. As a Company Secretary, he is responsible for high standards of corporate governance and compliances, as required by the Companies Act.

Anuj joined the Company in November 2007 as the Head of Legal, Compliance and Risk and took responsibility as the CFO in September 2009.

Prior to his current role, he was the Associate Director (Finance) and Company Secretary of Aviva Life Insurance India, heading Treasury, Legal, Secretarial and Compliance functions.

Anuj is a fellow member of The Institute of Chartered Accountants of India, fellow member of Institute of Company Secretaries of India, associate member of Institute of Cost Accountants of India and a Commerce graduate from Shri Ram College of Commerce, Delhi University.

Anuj has over 20 years of experience, out of which more than 11 years have been with the life insurance industry. Anuj started his career with the treasury and investment management function with Maruti Suzuki Ltd. and has experience in the automobile, IT and telecom industries.
Manjit S Lakhmana
Director HR

Manjit S Lakhmana joins us with a wealth of experience (over almost 30 years, across many industries) having worked most recently with Bank of America Merill Lynch and having operated his own HR consultancy practice.He started his career with Hindustan Petroleum Corporation, in 1984 heading the Northern India Personnel function followed by other assignments at Hero Motors, STP Ltd, Caltex Lubricants, India.

Manjit earned his bachelor's degree in Science and Law from Delhi University. He has a postgraduate degree in Public Administration from South Gujarat University and postgraduate diploma in Personnel Management from Faculty of Management Studies, Delhi University. He has been a guest faculty at the HR Council in India -Conference Board, New York and also at various premier business schools in India.
Vikas Gupta
Chief Internal Auditor(CIA)

Vikas Gupta is a Chartered Accountant, and has completed CISA and CPA (USA). He is responsible for delivery of risk-based audits as per the audit plan approved by the Audit Committee.

Prior to his current role, he was the AVP (Internal audit) with ICICI Prudential Life Insurance Company Limited. Vikas has over 10 years of experience in the consulting, banking, financial services, insurance industry.
Shally Gambhir
Chief Risk Officer(CRO)

Shally is a founder member. He is responsible for developing and implementing the risk management framework in line with regulatory requirements and international best practices, develop and implement risk policies, risk appetite, standards and methodologies to support effective management of risk in the organization.

Shally joined the Company in April 2008 and set up the Risk function and took over the Chief Risk Officer role in April 2013. Shally has over 15 years of experience. He has worked previously as the Senior Manager Risk Advisory Services with Fidelity Business Services, heading the risk management function for Fidelity International back office operations in India. His earlier experience has been in similar roles in American Express and Dell International India Pvt. Ltd.

Shally is a commerce graduate from University of Delhi, Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA) and Certified Fraud Examiner (CFE).
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