T V Ramakrishna

T V RAMAKRISHNA has been associated with CreditAccess Life Insurance Limited as a Founding Team Member from November2022. He is the CFO of the company overseeing Finance and related functions. He has around two decades of experience in life insurance industry. Prior to joining CreditAccess Life Insurance Limited, Ramakrishna was associated with PNB MetLife as Associate Director.

He holds a bachelor’s degree in commerce from the University of Bangalore and is a member of the Institute of Chartered Accountants of India.

Uday Shanker

Chief Operating Officer responsible for the entire business operations. He is a Founding Team member of CALI, having joined CreditAccess Life in November’22. He has extensive experience in insurance operations and was previously associated with Ageas Federal Life Insurance and Tata AIA Life Insurance in the capacity of VP- Operations.

Gowthaman Sounderraj

Gowthaman Sounderraj serves as the Chief Business Officer at CreditAccess Life Insurance Limited (CALI). As a key founding member of the company, his responsibilities encompass spearheading business development and establishing a robust distribution network. His role is pivotal in achieving growth targets and broadening the customer base. With a career spanning over three decades, Gowthaman is esteemed for his expertise in strategic business planning, business development, distribution channel management, and operations management.

Before his tenure at CALI, which began in January 2024, Gowthaman had extensive and diverse experience with SBI Life Insurance Co. Ltd., where he engaged in various roles over a period of twenty years. His last role at SBI Life was as Senior Vice President in the Group Corporate Solutions channel.

Gowthaman's professional journey commenced in the consumer durables sector, followed by significant tenures at Hindustan Unilever Ltd. and the Shell Group prior to his engagement with SBI Life Insurance Co. Ltd. Throughout his career, he has demonstrated a consistent track record of developing and executing strategies that enhance distribution channels and provide a seamless client experience across multiple product sales platforms. His proficiency in strategizing, aligning, and executing company-wide initiatives has notably led to significant achievements in areas such as annualized new business, value generation, quality retention, and agency expansion.

Academically, Gowthaman Sounderraj holds a Post Graduate Certificate in Strategic Management from IIM,Nagpur in addition to a bachelor's degree in arts from Osmania University and an executive certificate in corporate governance from the National Skill Development Corporation (NSDC). His academic background, coupled with his extensive professional experience, positions him as a distinguished leader in the insurance and financial services sectors.

Sai Gunaranjan Jain

Sai Gunaranjan Jain is the Chief Investment Officer at our company. He is among our founding team joining us in early 2023 with an over all experience across financial services of more than 2 decades. Before joining us, he worked with Invesco Asset Management for more than 8 years and got relieved as Vice President. Being a passionate market observer during college, he started his career as trader in global commodity markets getting first hand trading experience early on and went on to build a distinguished career across equity broking, investment banking, merchant banking and Asset Management.

He is a rank holder in Master of Financial Management (MFM) from Sri Sathya Sai University while graduating with the B.Com (hons) program from the same institute. Being a passionate learner and keen market participant all through, he along with his team is responsible to have established our treasury desk and as the CIO is heading the investments department.

Ganesh Hegde

Ganesh Hegde serves as the Company Secretary of our organization. He holds a bachelor’s degree in commerce and is an associate member of the Institute of Company Secretaries of India.

With over 10 years of experience, he specializes in corporate governance, regulatory compliance, secretarial functions, and boardroom management for listed companies.

Before joining CreditAccess Life Insurance Limited, he was associated with CreditAccess Grameen Limited.

Manoj Nair

Manoj Nair is CALI's Chief Risk Officer. He graduated in Finance from IIM Kozhikode and holds a Postgraduate Diploma in Hospitality Management from IITTM, Gwalior. He is also a certified Financial Risk Manager (FRM), a Sustainability and Climate Risk (SCR) professional, and a certified Data Scientist and Business Analyst.

He brings over 20 years of experience in the financial sector, with leadership roles in leading private sector banks such as ICICI Bank, Kotak Mahindra Bank, IndusInd Bank, AU Small Finance Bank, and most recently as Chief Risk Officer and Internal Audit Head at IndBank Global Support Services (a wholly owned subsidiary of Indian Bank). His core expertise lies in enterprise-wide risk management, regulatory compliance, operational resilience, and governance. He takes pride in building strong frameworks that balance risk with sustainable growth.

Praveen Chandola

Praveen Chandola is the Chief Human Resource Officer (CHRO) at CreditAccess Life Insurance Limited (CALI). He joined the organization in April 2026.

Praveen is a seasoned Human Resources leader, Executive Coach, and Master Trainer with over 21 years of experience across India, APAC, the Middle East, and Russia markets, along with strong exposure to global HR practices. He has led end-to-end HR operations and diverse HR initiatives spanning organizational development, culture transformation, talent management, leadership development, digitalization, and strategic HR business partnering.

He holds a Post Graduate Certification in Human Resource Management (PGCHRM) from XLRI Jamshedpur and a Bachelor’s degree in Science from Hemvati Nandan Bahuguna Garhwal University (HNBGU). He is also a Dale Carnegie Certified Master Trainer, an ICF Certified Coach, and an NLP Practitioner.

Pankaj Gera

Pankaj Gera serves as the Chief Compliance Officer (CCO) at CreditAccess Life Insurance Limited. He joined the Organization in September 2026.

He brings over 24 years of diverse experience in Regulatory Compliance, Risk Management, Corporate Governance, Internal Audit and Ethics across Insurance, FMCG and Telecom sectors. He holds a Bachelor’s Degree in Commerce from Delhi University and a Diploma in Business Management from U.K university.

Prior to joining CreditAccess Life Insurance Limited, Pankaj was associated with Acko Life Insurance Limited and Axis Max Life Insurance Limited.

Bharatraj Panchal

Bharatraj Panchal is the Company Secretary of CALI, having joined the company in January 2023 and handles the Legal, Compliance and Secretarial function. He carries more than 14 years of experience in the Manufacturing and Service industry.

A Qualified Company Secretary and Law Graduate with a Master’s Degree in Commerce from Karnataka University.