Mr. SANJIV CHADHA - Chairman



Shri Sanjiv Chadha, Managing Director & CEO of Bank of Baroda since 20th January 2020 has over 35 years' experience in banking & financial services having started his career with SBl in 1987.

Shri Chadha is also Chairman on the boards of Bank of Baroda (UK) Ltd., IndiaFirst Life Insurance Co. Ltd., BOB Capital Markets Ltd. & BOB Financial Solutions Ltd. He also serves on the board of National Insurance Co. Ltd & is on the Governing Board of National Institute of Bank Management (NIBM).

Prior to joining Bank of Baroda, Shri Chadha was the MD & CEO of SBI Capital Markets Ltd., the Merchant and Investment Banking arm of SBI, and Chairman of SBICAP Ventures Ltd. and SBI Securities Ltd. Shri Chadha spent 33 years at SBI, where he handled a diverse range of roles including the Regional Head for SBl's UK Operations, CEO of SBI Los Angeles as well as Executive Secretary to the Chairman of the SBI Group.

Shri Sanjiv Chadha is an alumnus of St. Stephen's College, Delhi.




Mr. Ostawal joined Warburg Pincus in 2007 and since then has been working with the firm's Indian affiliate. He is involved with the firm's Investment Advisory activities in India and evaluates opportunities in Financial Services and Healthcare sectors in India.

Prior to joining Warburg Pincus, Mr. Ostawal was an Associate with 3i India and McKinsey & Company.

He is a Director of Laurus Labs Limited, AU Small Finance Bank Limited, D B Power & Group Companies, Computer Age Management Services Pvt. Ltd., Sterling Software Private Limited and Fusion Microfinance Private Limited.

Mr. Ostawal holds a Chartered Accountancy degree from The Institute of Chartered Accountants of India and an M.B.A. from The Indian Institute of Management, Bangalore.




Joydeep Dutta Roy, a career Banker for around 25 years, is currently the Chief General Manager – MD’s Office, Subsidiaries and Joint Ventures at Bank of Baroda, one of India’s premier public sector Banks.

Having joined Bank of Baroda as an HR specialist, he has handled a variety of HR functions in the Bank, across levels and has been instrumental in spearheading many marquee HR projects and initiatives for the Bank. Joydeep had successfully initiated and implemented various Business projects for the Bank viz. Business Process Reengineering Project, Project Navnirmaan, Project Udaan, a comprehensive HR Transformation Project called SPARSH, etc.

He has also had very successful stints as the Regional Head of Bank’s Dehradun and Bareilly Regions.

Joydeep holds an Honours degree in Economics from Delhi University, besides being a law graduate and an MBA in HR from the Narsee Monjee Institute of Management Studies in Mumbai. He is also a certified assessor for the Confederation of Indian Industry (CII)’s annual HR Excellence Awards.

Mr.RAMESH S. SINGH - Director



Shri Ramesh S. Singh has been appointed to the Board of Directors of IndiaFirst Life Insurance on behalf of Union Bank of India. He is a Certified Associate of the Indian Institute of Banking & Finance (CAIIB) and has served in several managerial roles in the Banking Industry.

Shri Ramesh S. Singh has previously held the position of Executive Director at Dena Bank, Mumbai, till 2019. Prior to this, he served as a General Manager at Central Bank of India where he handled International Business as well as Investment and Treasury for their Mumbai headquarters while also being responsible for Business Development in Bhopal.

Before transitioning to General Manager at Central Bank of India, Shri Ramesh S. Singh also served as Deputy General Manager from 2010 to 2013 and as Assistant General Manager from 2008 to 2010. Additionally, he is also a member of an expert internal advisory committee in LIC India.

Mr. ARUN CHOGLE - Independent Director


Independent Director

Mr. Chogle, a veteran FMCG Professional with a strong customer and marketing orientation, runs his own Brand Advisory and Strategic Consulting Practice in the consumer & Retail space with clients across SMEs, large Indian companies and MNCs.

Prior to his consulting practice, he had a varied and successful marketing career internationally and in India, spanning over 30 years. He has worked in senior leadership positions in general management and consumer marketing with two of the finest companies in their peer groups- Procter & Gamble and British American.

He is currently the advisor and management consultant specializing in Retail and Consumer Products Industry with clients like Nielsen and other organisations .

Mr. K. S. GOPALAKRISHNAN - Independent Director


Independent Director

In a vibrant career spanning 35-years, Mr. K.S. Gopalakrishnan has held leadership roles as CEO/CFO/Actuary in Life Insurance and CEO in Reinsurance.

Rising from the ranks as an Actuarial Apprentice in LIC of India at the start of his career to leadership positions for insurance companies such as Aditya Birla Sun Life Insurance Company, Bharti AXA Life Insurance Company and Aegon Life Insurance Company, Mr. Gopalakrishnan’s career trajectory displays his firm grasp in the areas of finance, actuarial, pricing, product design, regulations, underwriting, claims, as well as governance, and Board and shareholder concerns. After completing a successful stint as CEO for India business at RGA Reinsurance Company, Mr. Gopalakrishnan continues to be a consultant and advisor in a wider insurance ecosystem. He has been a key contributor in industry pioneering unit linked products, online term insurance products and various customer oriented initiatives.

Mr. Gopalakrishnan holds a graduate degree in Mathematics from Vivekananda College in Chennai and is an Actuary from the actuarial bodies of India, the UK, and Canada. He has completed courses in strategy and digital technology from premiere international institutes such as Duke University, Stanford University, MIT and INSEAD. He has been a member of several committees in the Indian insurance industry and IRDAI. He is currently an elected member of the Council of the Institute of Actuaries of India.

Mr. HEMANT KAUL - Independent Director


Independent Director

Mr. Hemant Kaul is an MBA from the University of Rajasthan. He started his career as a Probationary Officer with State Bank of Bikaner & Jaipur in 1977. He was part of the start-up team at UTI/ Axis Bank, where he set up and lead the Retail Banking Division. Hemant was also the MD & CEO of Bajaj Allianz General Insurance. Hemant is passionate about the Fintech sector where he is involved as a mentor and Angel investor.

Hemant loves to travel and read. He and his wife Annu, live in Jaipur.

Ms. HARITA GUPTA - Independent Director


Independent Director

Harita is a Masters degree holder from IIT Delhi and lives with her husband in Gurgaon, India. Harita joined Sutherland as the Global Head of the Enterprise Business in 2017 she brings in 3 decades of vast Global experience in the Digital and IT services sector. In her current role - the focus for APAC is to establish Sutherland as a true Digital Transformation Innovation partner for customers.

Prior to Sutherland, she worked for Microsoft India where she led the growth of the Customer Service and Support operations for Enterprise customers across India and Greater China. She started her career at NIIT Technologies and managed various portfolios and Technology centres of excellence.Post pandemic she is leading her teams to explore new business and work models.

Harita is a Master's graduate from IIT Delhi and lives with her husband in Gurgaon, India.Very passionate about CSR, she drives innovative projects in her current role and volunteers at 2 NGOs.




RM Vishakha has helmed IndiaFirst Life as its MD & CEO since March 2015. Under her strong leadership, the company has recorded a significant growth rate and steadily risen in industry ranking. Leading from the front, Vishakha spearheaded the seamless transition of shareholding from former partner, Legal and General to Warburg Pincus.

Vishakha has ranked among the Top 50 of Fortune India’s ‘Most Powerful Women’ in business three times in a row (2017, 2018 and 2019). She has also been bestowed with ‘Most Influential Woman’ by the Business World magazine. Recognising her achievements, ICAI bestowed Vishakha with the prestigious award of CA Business Leader – Women (2017). Vishakha has been enlisted as a trailblazer amongst contemporaries across industries by prestigious publications such as Forbes India and Business Today.

A thought leader, Vishakha co-chairs the Pension and Insurance committee of CII. She is also an esteemed member of National Council on Insurance (ASSOCHAM), a committee member of FICCI, and a Charter Member of Exqualifi by AIWMI. She is an independent Director on the board of NRB Bearings Private Limited. She also has been on the executive committee of Life Insurance Council.

Vishakha continues to guide and mentor the upcoming generation of thinkers and leaders. Some of her prestigious mentorship associations include International Insurance Society (IIS) Mentor program, WWB Leadership and Diversity for Innovation Program, RGA Leaders for Tomorrow and WILL Forum.

A Chartered Accountant equipped with a Post Graduate Diploma in Computer Systems, Vishakha is also a Fellow of the Insurance Institute of India.