About Us

Julien has been the Deputy CEO of SBI Life since October 2016. Prior to joining SBI Life, he was the Chief Finance & Risks officer at BNP Paribas Cardif Russia involved in the restructuring of the company and change of business model from mono product/partner/distribution to multi-channel distribution of varied products. He played a vital role in launching innovative protection products in Russia during the economic crisis.

His association with BNP Paribas Cardif started with Cardif acquiring 100% stake in DexiaEpargne Pension, which was co-founded by him. DexiaEpargne Pension specialised in High Net worth Individual life insurance, which at the point of its acquisition was the 3rd largest player in the banking partnership market in France with more than 60 partners. Pre-acquisition, he was designated as Chief Finance, Risks & Operations officer at DexiaEpargne Pension. Post his stint with DexiaEpargne Pension, he was in charge of Capital Management at BNP Paribas Cardif group.

Julien is a graduate from Rouen Business School, majoring in Corporate Finance. Additionally, he is also an Advanced Actuarial Technician graduate from Paris University.

He has served in the navy as the Chief of Staff to the commander of the French West Indies, as part of France’s universal military conscription.

He has varied interests and is an avid sailor, free –flyer, scuba driver and marathon runner.

Mr Sanjeev Pujari is the President - Actuarial & Risk Management at SBI Life Insurance Co. Ltd. Prior to this, he has worked as the Appointed Actuary with SBI Life Insurance Co. Ltd.

He joined LIC as a Direct Recruit Officer in 1985. He has spent a total of twenty two years with LIC in various roles and positions, from Marketing and IT to Actuarial, in different locations. Apart from this, he spent eight years in the UK, out of which four years were with AxaSunlife, Bristol, two years with Swiss Re and two years with LIC’s Branch Office in London. He has also been on Actuarial positions in LIC including Head - Valuation (2003-2006) and Head - Pricing (2000-2002).

He did a Fellowship with the Institute of Actuaries (UK) and the Institute of Actuaries of India.

He indulges himself with lot of reading and sports.

Mr Anand Pejawar is the President – Operations, IT and International Business with SBI Life Insurance Co. Ltd.

He has thirty two years of experience across the banking and insurance sectors. He started his career with Life Insurance Corporation of India (LIC) in the year 1983.Then he moved over to the Banking sector before returning to the Insurance sector.

He completed his graduation in Science and followed it up with a post-graduation in Management and Law.

He is very active on national and international forums and has been invited by the Million Dollar Round Table (MDRT) – USA for its annual conventions, Asian Bancassurance & Additional Distribution Congress organised by Asia Insurance Review among many others. He has been appointed to various committees formed at the behest of the Ministry of Finance for the Life Insurance sector.

Mr Ravi Krishnamurthy is the President (Zone I), at SBI Life Insurance Co. Ltd. He holds the responsibility for deploying key strategies and functional guidance to all areas in the company, besides overseeing the achievement of business and operational goals across the Northern States - Gujarat, Maharashtra, Rajasthan, Delhi, Punjab, J&K, Himachal Pradesh, Haryana, and parts of UP & Uttarakhand.

In addition to ensuring that SBI Life has a dominant market share in these geographies, he is also responsible for providing and maintaining world-class quality standards, services and customer centricity.

As a top management functionary, Mr Krishnamurthy regularly meets with the key stakeholders and delivers sustainable, high quality leadership.

Before taking on the role of Executive Director - Marketing in May 2014, Mr Krishnamurthy was the Chief Operating Officer at SBI Life. His role included managing pan India processes, understanding customers, enhancing service and participating in the company’s policy decisions.

Having worked for over a decade with SBI initially, and then another with ICICI Bank in various areas of banking, he has varied experiences and expertise in corporate as well as retail banking.

Mr Ravi has led SBI Life to success in various aspects of leadership in the Insurance industry. Amongst them is the recent initiative he led for SBI Life to win the 2012 Ramakrishna Bajaj National Quality Award & the ‘World Class’ title in Asia Pacific Quality Organisation’s (APQO) Global Performance Excellence Award (GPEA) 2013.

As a person with multifaceted experience, he is recognized as an important thought leader in the emerging areas such as Insurance Distribution Expansion, Technology and Operating Excellence and Quality in Industries. Ravi is certified by the Indian Institute of Bankers as well as the Indian Institute of Insurance. He holds a PGDBM from NMIMS, Mumbai, in the area of Human Resources. He is certified by the Directors' Club. He also possesses a certificate in Business Excellence from Columbia Business School.

Mr Ravi is a passionate marathoner andyoga practitioner with a deep interest in classical and semi-classical music. He is also a volunteer at Isha Foundation.

Mr M. Anand is the President (Zone II), responsible for the geographic businesses in five out of sixteen regions of SBI Life.

Mr M. Anand joined SBI Life in July 2014. He has an overall experience of twenty eight years in the Banking and Insurance industry. Prior to assuming this role at SBI Life, he was worked with HDFC Life as Senior Vice President – Bancassurance, TATA AIA Life Insurance as Chief of Partnership Distribution, and in various other capacities which involved heading business channels, managing businesses P&L at the national level.

Before moving to the Insurance industry, he had a stint of fourteen years in the banking sector with ANZ Grindlays Bank and Standard Chartered Bank. He worked in diverse roles across branch banking, wealth management and customer value management. Prior to banking he had a 1 year stint with Larsen & Toubro.

He is a Science graduate from University of Kolkata and has specialised in Finance with a post graduate degree in Management from NMIMS, University of Mumbai.

Mr Ravindra Kumar – President (Zone 3), is an insurance professional having almost three decades of experience in the Indian insurance industry.

He worked with the Life Insurance Corporation of India for 18 years. At LIC, he worked in different capacities in Administration & Marketing, including four years deputation to the LIC, London office. He was actively engaged in the development of new and alternate distribution channels (bancassurance, corporate agents and brokers) since 2001.

In 2005, he joined SBI Life Insurance Company Ltd., as the Senior Vice President – Bancassurance (North India), Regional Head (North I), Country Head – Associate Banks Relationship, Regional Director (West 1), Chief Operating Officer at Central Processing Centre – Mumbai and currently as President (Zone III) at Corporate Office, Mumbai.

With a post graduation in science, Mr Ravindra is also an alumni of the University of Allahabad and IIT Delhi. On the professional side, he is a member of the Life Insurance Association - London.

Abhijit Gulanikar joined SBI Life as the Chief Investment Officer in Jan, 2009 and has been, since then, in charge of Business Strategy.

With over 15 years of experience in the insurance industry (both life and non-life), Mr Gulanikar has handled functions like life investments, finance, planning and strategy.

After graduating in B.Com, he pursued further studies in AICWA, ACA and a PGDM from IIM, Ahmedabad.

Mr. Gulanikar is a passionate non-fiction reader, who likes to play golf and badminton, and follows markets keenly across the world.

Sangramjit Sarangi is the Chief Financial Officer of SBI Life Insurance Co. Ltd. He holds a bachelor’s degree in law from Utkal University. He is a qualified chartered accountant registered with the Institute of Chartered Accountants of India. He has been associated with SBI Life since December 30, 2009. He has more than 18 years of experience in handling multiple functions in the field of Life Insurance and Mutual Fund industry.

Mr Sarangi has worked with ICICI Prudential Life Insurance Company as Vice President – Treasury, Investment Operations & Finance.

Currently, he is responsible for finance & taxation, compliance & secretarial functions at SBI Life

Mr Subhendu Kumar Bal is the Appointed Actuary of SBI Life Insurance Company. He has an industry experience of more than 24 years in several life insurance companies.

He has worked in SBI Life for over nine years. Prior to joining SBI Life, he has worked for three other private insurance companies. He has also worked with the Life Insurance Corporation of India before moving to the private life insurance sector.

Mr Bal possesses all actuarial functions and some non-actuarial functions of a life insurance business. He was a Visiting Faculty of a Management Institute, teaching courses on Life & Health, Group and Risk Insurance Management. He is a Fellow member of Institute of Actuaries of India (FIAI) and a post graduate in tatistics from Calcutta University.

He is a Chairperson of an advisory group of Examination committee and an ex-chairperson of advisory group of HR, Admin and Finance Committee of Institute of Actuaries of India. He was an examiner for the actuarial papers of Institute of Actuaries of India for several years.

He has participated in several international seminars and discussions on ctuaries and life insurance.

Some of his interests include reading, sports, and traveling.

Mrs. Manjula Kalyanasundaram joined SBI Life as Deputy General Manager in September 2017 from State Bank of India and is designated as EVP, Chief of HR & Management Services.

With a Master’s degree in Economics, and also a Certified Associate of the Indian Institute of Bankers, she brings over three decades of experience in the banking sector. She has taken up important assignments in the Bank as a Regional Manager in Kolkata, Assistant General Manager, Human Resources of Kolkata Circle, Deputy General Manager- Personal Banking of Patna Circle. She was also the Vice President of Personal Banking & Admin in Hong Kong.

Manjula is a people's person. She likes to interact with people, to foster their motivation, goals and aspirations on the personal and professional fronts. During her various engagements, she has championed multiple strategic businesses and HR initiatives. She has led and mentored teams to implement, devise and achieve organization goals and business objectives. As a key management person of the company, she oversees the overall welfare of the organization and its employees.

She likes listening to classical music and travelling, especially to explore places of historical significance.

Julien has been the Deputy CEO of SBI Life since October 2016. Prior to joining SBI Life, he was the Chief Finance & Risks officer at BNP Paribas Cardif Russia involved in the restructuring of the company and change of business model from mono product/partner/distribution to multi-channel distribution of varied products. He played a vital role in launching innovative protection products in Russia during the economic crisis.

His association with BNP Paribas Cardif started with Cardif acquiring 100% stake in DexiaEpargne Pension, which was co-founded by him. DexiaEpargne Pension specialised in High Net worth Individual life insurance, which at the point of its acquisition was the 3rd largest player in the banking partnership market in France with more than 60 partners. Pre-acquisition, he was designated as Chief Finance, Risks & Operations officer at DexiaEpargne Pension. Post his stint with DexiaEpargne Pension, he was in charge of Capital Management at BNP Paribas Cardif group.

Julien is a graduate from Rouen Business School, majoring in Corporate Finance. Additionally, he is also an Advanced Actuarial Technician graduate from Paris University.

He has served in the navy as the Chief of Staff to the commander of the French West Indies, as part of France’s universal military conscription.

He has varied interests and is an avid sailor, free –flyer, scuba driver and marathon runner.

Mr Sanjeev Pujari is the President - Actuarial & Risk Management at SBI Life Insurance Co. Ltd. Prior to this, he has worked as the Appointed Actuary with SBI Life Insurance Co. Ltd.

He joined LIC as a Direct Recruit Officer in 1985. He has spent a total of twenty two years with LIC in various roles and positions, from Marketing and IT to Actuarial, in different locations. Apart from this, he spent eight years in the UK, out of which four years were with AxaSunlife, Bristol, two years with Swiss Re and two years with LIC’s Branch Office in London. He has also been on Actuarial positions in LIC including Head - Valuation (2003-2006) and Head - Pricing (2000-2002).

He did a Fellowship with the Institute of Actuaries (UK) and the Institute of Actuaries of India.

He indulges himself with lot of reading and sports.

Mr Anand Pejawar is the President – Operations, IT and International Business with SBI Life Insurance Co. Ltd.

He has thirty two years of experience across the banking and insurance sectors. He started his career with Life Insurance Corporation of India (LIC) in the year 1983.Then he moved over to the Banking sector before returning to the Insurance sector.

He completed his graduation in Science and followed it up with a post-graduation in Management and Law.

He is very active on national and international forums and has been invited by the Million Dollar Round Table (MDRT) – USA for its annual conventions, Asian Bancassurance & Additional Distribution Congress organised by Asia Insurance Review among many others. He has been appointed to various committees formed at the behest of the Ministry of Finance for the Life Insurance sector.

Mr Ravi Krishnamurthy is the President (Zone I), at SBI Life Insurance Co. Ltd. He holds the responsibility for deploying key strategies and functional guidance to all areas in the company, besides overseeing the achievement of business and operational goals across the Northern States - Gujarat, Maharashtra, Rajasthan, Delhi, Punjab, J&K, Himachal Pradesh, Haryana, and parts of UP & Uttarakhand.

In addition to ensuring that SBI Life has a dominant market share in these geographies, he is also responsible for providing and maintaining world-class quality standards, services and customer centricity.

As a top management functionary, Mr Krishnamurthy regularly meets with the key stakeholders and delivers sustainable, high quality leadership.

Before taking on the role of Executive Director - Marketing in May 2014, Mr Krishnamurthy was the Chief Operating Officer at SBI Life. His role included managing pan India processes, understanding customers, enhancing service and participating in the company’s policy decisions.

Having worked for over a decade with SBI initially, and then another with ICICI Bank in various areas of banking, he has varied experiences and expertise in corporate as well as retail banking.

Mr Ravi has led SBI Life to success in various aspects of leadership in the Insurance industry. Amongst them is the recent initiative he led for SBI Life to win the 2012 Ramakrishna Bajaj National Quality Award & the ‘World Class’ title in Asia Pacific Quality Organisation’s (APQO) Global Performance Excellence Award (GPEA) 2013.

As a person with multifaceted experience, he is recognized as an important thought leader in the emerging areas such as Insurance Distribution Expansion, Technology and Operating Excellence and Quality in Industries. Ravi is certified by the Indian Institute of Bankers as well as the Indian Institute of Insurance. He holds a PGDBM from NMIMS, Mumbai, in the area of Human Resources. He is certified by the Directors' Club. He also possesses a certificate in Business Excellence from Columbia Business School.

Mr Ravi is a passionate marathoner andyoga practitioner with a deep interest in classical and semi-classical music. He is also a volunteer at Isha Foundation.

Mr M. Anand is the President (Zone II), responsible for the geographic businesses in five out of sixteen regions of SBI Life.

Mr M. Anand joined SBI Life in July 2014. He has an overall experience of twenty eight years in the Banking and Insurance industry. Prior to assuming this role at SBI Life, he was worked with HDFC Life as Senior Vice President – Bancassurance, TATA AIA Life Insurance as Chief of Partnership Distribution, and in various other capacities which involved heading business channels, managing businesses P&L at the national level.

Before moving to the Insurance industry, he had a stint of fourteen years in the banking sector with ANZ Grindlays Bank and Standard Chartered Bank. He worked in diverse roles across branch banking, wealth management and customer value management. Prior to banking he had a 1 year stint with Larsen & Toubro.

He is a Science graduate from University of Kolkata and has specialised in Finance with a post graduate degree in Management from NMIMS, University of Mumbai.

Mr Ravindra Kumar – President (Zone 3), is an insurance professional having almost three decades of experience in the Indian insurance industry.

He worked with the Life Insurance Corporation of India for 18 years. At LIC, he worked in different capacities in Administration & Marketing, including four years deputation to the LIC, London office. He was actively engaged in the development of new and alternate distribution channels (bancassurance, corporate agents and brokers) since 2001.

In 2005, he joined SBI Life Insurance Company Ltd., as the Senior Vice President – Bancassurance (North India), Regional Head (North I), Country Head – Associate Banks Relationship, Regional Director (West 1), Chief Operating Officer at Central Processing Centre – Mumbai and currently as President (Zone III) at Corporate Office, Mumbai.

With a post graduation in science, Mr Ravindra is also an alumni of the University of Allahabad and IIT Delhi. On the professional side, he is a member of the Life Insurance Association - London.

Abhijit Gulanikar joined SBI Life as the Chief Investment Officer in Jan, 2009 and has been, since then, in charge of Business Strategy.

With over 15 years of experience in the insurance industry (both life and non-life), Mr Gulanikar has handled functions like life investments, finance, planning and strategy.

After graduating in B.Com, he pursued further studies in AICWA, ACA and a PGDM from IIM, Ahmedabad.

Mr. Gulanikar is a passionate non-fiction reader, who likes to play golf and badminton, and follows markets keenly across the world.

Sangramjit Sarangi is the Chief Financial Officer of SBI Life Insurance Co. Ltd. He holds a bachelor’s degree in law from Utkal University. He is a qualified chartered accountant registered with the Institute of Chartered Accountants of India. He has been associated with SBI Life since December 30, 2009. He has more than 18 years of experience in handling multiple functions in the field of Life Insurance and Mutual Fund industry.

Mr Sarangi has worked with ICICI Prudential Life Insurance Company as Vice President – Treasury, Investment Operations & Finance.

Currently, he is responsible for finance & taxation, compliance & secretarial functions at SBI Life

Mr Subhendu Kumar Bal is the Appointed Actuary of SBI Life Insurance Company. He has an industry experience of more than 24 years in several life insurance companies.

He has worked in SBI Life for over nine years. Prior to joining SBI Life, he has worked for three other private insurance companies. He has also worked with the Life Insurance Corporation of India before moving to the private life insurance sector.

Mr Bal possesses all actuarial functions and some non-actuarial functions of a life insurance business. He was a Visiting Faculty of a Management Institute, teaching courses on Life & Health, Group and Risk Insurance Management. He is a Fellow member of Institute of Actuaries of India (FIAI) and a post graduate in tatistics from Calcutta University.

He is a Chairperson of an advisory group of Examination committee and an ex-chairperson of advisory group of HR, Admin and Finance Committee of Institute of Actuaries of India. He was an examiner for the actuarial papers of Institute of Actuaries of India for several years.

He has participated in several international seminars and discussions on ctuaries and life insurance.

Some of his interests include reading, sports, and traveling.

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Mrs. Manjula Kalyanasundaram joined SBI Life as Deputy General Manager in September 2017 from State Bank of India and is designated as EVP, Chief of HR & Management Services.

With a Master’s degree in Economics, and also a Certified Associate of the Indian Institute of Bankers, she brings over three decades of experience in the banking sector. She has taken up important assignments in the Bank as a Regional Manager in Kolkata, Assistant General Manager, Human Resources of Kolkata Circle, Deputy General Manager- Personal Banking of Patna Circle. She was also the Vice President of Personal Banking & Admin in Hong Kong.

Manjula is a people's person. She likes to interact with people, to foster their motivation, goals and aspirations on the personal and professional fronts. During her various engagements, she has championed multiple strategic businesses and HR initiatives. She has led and mentored teams to implement, devise and achieve organization goals and business objectives. As a key management person of the company, she oversees the overall welfare of the organization and its employees.

She likes listening to classical music and travelling, especially to explore places of historical significance.

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