Mr. Murlidhar is one of the founder members of Kotak Mahindra Old Mutual Life Insurance Ltd. He has served the company in various positions of high responsibility over the past decade and was the company's Chief Operating Officer in his immediate prior assignment, where he was instrumental in establishing a strong operational and service backbone for the Company.

Mr. Murlidhar has close to three decades of rich and varied experience across different sectors such as BFSI, Services and Manufacturing. He is a qualified Chartered Accountant, Company Secretary, and Cost and Work Accountant.

A Chartered Accountant by qualification, Pankaj comes with a very rich and diverse experience in the Banking and Finance sectors.

Pankaj joined the Kotak Group in 1999 as Vice President – Kotak Mahindra Finance Ltd. and since then has juggled many responsibilities within the Group. Prior to joining Kotak Life Insurance, he was heading the Retail Assets business at Kotak Mahindra Bank Ltd. where he was responsible for verticals like Car Finance, Personal Loans, Home Finance and Business Banking.

Mr. Desai is passionate about reading and traveling.

As Senior Vice President and Head of Marketing at Kotak Mahindra Old Mutual Life Insurance, Elizabeth Venkataraman is responsible for brand management (through Above the Line (ATL) initiatives), sales support (through Below the Line (BTL) initiatives), product development and corporate communications. Under her stewardship, the function has scaled several highs, including, inter-alia, the much acclaimed Child Plan TVC launched in Dec 2009, and the 'Faiday ka Insurance' tagline which sought to better leverage the company's core strength of investment Expertise. Her team is also credited with the design and development of several innovative products in the new business environment which evinced significant customer interest, reflected in record sales. Ms. Venkataraman has been with the Kotak Mahindra Group since 2004, and assumed her current responsibility at Kotak Mahindra Old Mutual Life Insurance in 2009. In her immediate prior assignment, she headed the Marketing function at Kotak Securities, where she instrumental in conceptualizing and developing Kotak Securities' much acclaimed 'Customer Contactability' Programme. Ms Venkataraman has over seventeen years of professional experience spanning diverse sectors such as Computer Hardware, Automobiles, FMCG and Banking. She holds an MBA (Marketing) degree from the prestigious Narsee Monji Institute of Management Studies, Mumbai.

As the Appointed Actuary at Kotak Mahindra Old Mutual Life Insurance Limited, Andrew Cartwright is responsible for ensuring the solvency of KLI at all times. He also advises the management on risk management, business mix, product features, pricing and reinsurance. Equipped with a Bachelors of Business Science Degree from the University of Cape Town, Andrew is a Fellow of the Institute of Actuaries of India (and also of the Institute and Faculty of Actuaries UK). He is also a Certified Financial Planner from the Financial Planning Institute, South Africa. Andrew has a long-standing experience of over thirty years in the international financial services industry. Before joining Kotak Life Insurance as the Appointed Actuary, Andrew was the Customer Solutions Executive at Old Mutual (Kotak Life's South African partner in the Life Insurance Business) - Retail Mass Market in South Africa. At Old Mutual, Andrew was responsible for optimizing Customer Offerings (product, service and distribution), introducing new initiatives, ensuring financial soundness and supervising risk management. Andrew is a member of the Life Insurance Advisory Group of the Institute of Actuaries of India. Before moving to India he was also the Convener of Life Offices Association Ad Hoc Committee on Access to Financial Products.

Mr. Suresh Agarwal is the Executive Vice President and Head of Distribution & Strategic Initiatives at Kotak Life Insurance.

He is in charge of the company's individual and alternate distribution channels. Strengthening and deepening these channels to ensure seamless partner experience and customer delight is his key priority. He has played a vital role in establishing the alternate channel for Kotak Life Insurance. He is also responsible for the many strategic initiatives undertaken by the company to strengthen customer engagement and enhance process, distribution and operations efficiencies.

Mr. Agarwal has close to seventeen years of work experience, all of which has been with the Kotak Mahindra Group. Of this he has been with the Life Insurance business for close to a decade. Prior to joining Kotak Life Insurance, Mr. Agarwal was part of the Corporate Finance division at Kotak Mahindra Finance Ltd.

Mr. Agarwal is a qualified Chartered Accountant, Company Secretary, and Cost and Works Accountant.

Subhasish heads Tied Agency at Kotak Life Insurance and oversees all activities concerned with the channel, inter alia, strategy formulation, effective process and system implementation, service quality, throughput and customer satisfaction. He assumed this responsibility in May 2010. He is credited with revamping the channel through the design and implementation of benchmark practices which has significantly enhanced the channel's throughput and efficiency. In his immediate prior assignment, he worked with Kotak Mahindra Bank in the capacity of Zonal Business Manager – North. He has over 17 years of professional experience, spanning diverse functional areas and sectors ranging from Consumer Goods and Manufacturing to Financial Services. He started his sojourn in the Financial Services sector over eight years ago and has held positions of significant responsibility in ICICI Bank and Kotak Mahindra Bank before moving to Kotak Life Insurance. He holds a bachelors degree in chemical engineering from the prestigious Birla Institute of Technology and Science, Pilani and a PGDM (Finance & Marketing) from Indian Institute of Management (Bangalore).

Anand Dewan is the Senior Vice President of Sales and Management Development Training at Kotak Life Insurance. Anand is responsible for optimization of investments in training and alignment of training needs with business goals.

Anand is a Certified Training & Development Expert from Raytheon Arlington Texas. A winner of prestigious NIS Personification Award at NIS Sparta, Anand has a rich experience of 18 years. Before joining Kotak Life Insurance, he worked in the capacity of Vice President – Talent Transformation at Reliance Retail.

Sandeep heads the Group business at Kotak Life Insurance. He is a Chartered Accountant by profession and has been an integral part of Kotak Life Insurance since its inception in 2001. Prior to Kotak Life Insurance, Sandip was associated with Kotak Securities from 1992 to 2001.

Kirti Patil is the Head of Information Technology at Kotak Life Insurance. Kirti is responsible for ensuring that the company's technology strategy is aligned with its current and future business needs. Kirti has been instrumental in ramping up the IT Support function to its present scale and form and in creating a strong IT infrastructure backbone for the company. Under her stewardship the company has won the prestigious EDGE (Enterprise Driving Growth and Excellence through IT) in 2009 for the Use of IT for maximizing business impact for Workflow and Straight Through Processing.

Kirti joined Kotak Life Insurance in 2003 and has close to 22 years of distinguished experience spanning IT Projects Management, Customization & Implementation, IT Infrastructure Management and Information Security. Before joining Kotak Life Insurance, she worked in the capacity of Head – IT Infrastructure at Bayer India where she was responsible for IT Infrastructure and Service Delivery for 12 group companies in India. She has earlier worked as Head – IT Infrastructure for International Rectifier where she was responsible for IT Infrastructure and Service Delivery for the Asia Pacific region.

Kirti holds a B.E in Electrical Engineering and M.M.S. both from Mumbai University

Sudhakar Shanbhag is the Chief Investment Officer at Kotak Mahindra Old Mutual Life Insurance. In this capacity he is responsible for managing the company's investments within the overall framework laid down by the investment committee and the IRDA, and developing and managing investment structures, processes and practices to enable customers reap benefits in accordance with their investment objectives and risk appetite. Mr. Shanbhag has been part of Kotak Mahindra Group in varying capacities for close to a decade and half. Prior to Kotak Life Insurance, Mr. Shanbhag was part of the Treasury team at Kotak Mahindra Bank. He has also been an integral part of the Kotak Prime team for 11 years, serving first as a Chief Financial Officer and then taking over as Chief Operating Officer. Mr. Shanbhag, a widely quoted knowledge leader in the investment domain, has close to two decades of work experience. Mr. Shanbhag is a qualified Chartered Accountant.

In his capacity as the Sr. Vice President and Chief Financial Officer (CFO) of Kotak Mahindra Old Mutual Life Insurance Ltd., Mr. Cedric Fernandes is responsible for financial planning and overseeing matters related to financial management at the firm including compliance and financial control.

Mr. Fernandes has over two decades years of work experience, most of which has been with the Kotak Mahindra Group. He joined Kotak Mahindra Old Mutual Life Insurance in 2001. In his immediate prior assignment, he was the head of finance and accounts functions at the company, where he played a vital role in establishing processes and systems conforming to global best practices.

Prior to joining Kotak Life Insurance, Mr. Fernandes headed the process and audit control functions at Kotak Mahindra Finance Ltd. He started his career at Coopers and Lybrand, among the global leaders in audit and assurance at its time.

He is a qualified Chartered Accountant and Cost and Works Accountant. He is also a Fellow of the Insurance Institute of India (FIII).

Mr. Hitesh Veera is the Senior Vice President and Head – Operations, Customer Service, Underwriting & Claims at Kotak Life Insurance. In this capacity, Mr. Veera is responsible for ensuring high operational efficiencies besides seamless customer experience at all interface points, leading to stakeholder delight. He has played a seminal role in ramping up the Operations Function to its present scale and form, and, is credited with establishing and managing a highly efficient operations backbone for the company. He is also in charge of the claims and underwriting function. Mr. Veera has over fifteen years of work experience, all of which has been with the Kotak Mahindra Group. He has been with the Life Insurance business since 2007. In his immediate prior assignment, Mr. Veera was the business head for Alternate Business at Kotak Mahindra Prime Ltd. (KMPL), a function he helped set up. He also served as the Head of Operations for the Car Finance Business for KMPL and Ford Credit India, a JV between the Ford and Kotak Mahindra groups, where, under his stewardship, the function was awarded the highest rating by the foremost auditing body within Ford – the General Auditor's Office (GAO) which directly reports to the President of Ford worldwide. He is a qualified Chartered Accountant, Cost and Works Accountant and Company Secretary.