Kotak Life Executive and Leadership Team

June, 2026

Leadership Overview

Kotak Life has 8 executives leading key functions including strategy, operations, human resources, finance, data analytics, technology, and digital transformation.

Driven by a commitment to financial security, Kotak Life provides comprehensive life insurance solutions, empowering individuals and businesses across India with tailored term plans, savings, and retirement products.

Leadership Roles at Kotak Life

  • Chief Executive Officer - kAMARAJ Puthiya
  • Chief Manager & Chief Financial Officer, S Office - Kalhan Koul
  • Chief Operating Officer - Hitesh Veera
  • Joint President, Chief Data and Analytics Officer - Dwiraj Bose
  • Duputy Vise President - Atul Tomar
  • Chief Human Resources Officer - Ruchira Bhardwaja
  • Chief Technology and Digital Transformation Officer - Sourabh Chatterjee
  • Branch Managing Partner, Associate Vice President - Ajit Parashar
  • kAMARAJ Puthiya - Chief Executive Officer

    kAMARAJ Puthiya, the Chief Executive Officer at Kotak Life, directs the company's overall strategic vision and operational execution. This leadership role involves steering the organization through market dynamics, ensuring robust financial performance, and expanding the company's reach within the Indian insurance sector. Puthiya oversees all departmental functions, aligning them with corporate objectives to drive sustainable growth and enhance customer value. The Chief Executive Officer's mandate includes fostering innovation, maintaining regulatory compliance, and strengthening Kotak Life's position as a premier provider of life insurance solutions. This executive's focus remains on optimizing business processes and cultivating a high-performance culture to achieve long-term success and market leadership. kAMARAJ Puthiya ensures that all strategic initiatives directly support the company's mission of providing financial security and peace of mind to its policyholders across India.

    Kalhan Koul - Chief Manager & Chief Financial Officer, S Office

    Kalhan Koul, the Chief Manager & Chief Financial Officer, S Office at Kotak Life, oversees the company's financial operations and strategic financial planning. This leadership position involves managing all aspects of financial reporting, budgeting, forecasting, and investment strategies to ensure the fiscal health and stability of the organization. Koul directs the finance department, ensuring compliance with accounting standards and regulatory requirements across India. The Chief Manager & Chief Financial Officer's responsibilities include analyzing financial performance, identifying opportunities for cost optimization, and advising senior leadership on financial matters to support strategic decision-making. Kalhan Koul's expertise is crucial in managing financial risks and driving profitability, thereby reinforcing Kotak Life's commitment to delivering secure financial solutions. Koul ensures robust financial controls are in place to support sustained growth.

    Hitesh Veera - Chief Operating Officer

    Hitesh Veera, the Chief Operating Officer at Kotak Life, manages the day-to-day operational activities and ensures the efficient delivery of insurance products and services. This critical function involves optimizing business processes, enhancing operational efficiency, and maintaining high standards of service quality for customers nationwide. Veera oversees the implementation of strategic initiatives across various operational departments, focusing on streamlining workflows and leveraging technology to improve service delivery. The Chief Operating Officer's responsibilities extend to risk management within operations, ensuring compliance with industry regulations, and driving continuous improvement across all operational facets. Hitesh Veera's leadership is pivotal in maintaining the seamless functioning of Kotak Life's extensive network, supporting the company's growth objectives and commitment to customer satisfaction. Veera ensures that operational excellence underpins the company's ability to offer reliable financial solutions.

    Dwiraj Bose - Joint President, Chief Data and Analytics Officer

    Dwiraj Bose, the Joint President, Chief Data and Analytics Officer at Kotak Life, leads the company's data strategy and analytics initiatives to drive informed business decisions. This role involves leveraging data to uncover insights, optimize business processes, and enhance customer understanding across the Indian market. Bose oversees the development and implementation of advanced analytics models, data governance frameworks, and business intelligence solutions. The Chief Data and Analytics Officer's responsibilities include transforming raw data into actionable intelligence that supports product development, marketing strategies, and operational efficiency. Dwiraj Bose's leadership is essential in harnessing the power of data to identify new opportunities and mitigate risks, thereby strengthening Kotak Life's competitive edge. Bose ensures data-driven insights fuel strategic planning and operational improvements.

    Atul Tomar - Duputy Vise President

    Atul Tomar, the Duputy Vise President at Kotak Life, supports senior leadership in executing strategic initiatives and managing key operational areas. This role involves contributing to the development and implementation of business plans, ensuring alignment with the company's overall objectives in the Indian market. Tomar assists in overseeing departmental functions, focusing on enhancing efficiency and driving performance across various business units. The Duputy Vise President's responsibilities include analyzing market data, identifying growth opportunities, and supporting the management of cross-functional projects. Atul Tomar's contribution is integral to the smooth functioning of Kotak Life's operations and its commitment to providing reliable insurance solutions. Tomar works to ensure operational continuity and support strategic growth targets.

    Ruchira Bhardwaja - Chief Human Resources Officer

    Ruchira Bhardwaja, the Chief Human Resources Officer at Kotak Life, directs all human capital strategies and initiatives, fostering a dynamic and productive work environment. This role encompasses talent acquisition, employee development, performance management, and cultivating a strong organizational culture aligned with Kotak Life's values. Bhardwaja oversees the implementation of HR policies and programs designed to attract, retain, and engage a high-caliber workforce across India. The Chief Human Resources Officer's responsibilities include ensuring competitive compensation and benefits structures, promoting employee well-being, and driving initiatives that enhance employee engagement and retention. Ruchira Bhardwaja plays a key part in shaping the employee experience, supporting the company's strategic goals through effective human resource management. Bhardwaja ensures that the organization's talent pool is equipped to meet the evolving demands of the insurance industry.
    Ruchira Bhardwaja

    Sourabh Chatterjee - Chief Technology and Digital Transformation Officer

    Sourabh Chatterjee, the Chief Technology and Digital Transformation Officer at Kotak Life, spearheads the company's technological advancements and digital innovation strategies. This position involves overseeing the development and implementation of cutting-edge IT infrastructure, digital platforms, and technology solutions to enhance operational efficiency and customer experience across India. Chatterjee directs the integration of new technologies, driving digital transformation initiatives that modernize Kotak Life's services and offerings. The Chief Technology and Digital Transformation Officer's responsibilities include ensuring cybersecurity, managing technology investments, and fostering a culture of innovation within the IT department. Sourabh Chatterjee's vision is critical in positioning Kotak Life at the forefront of technological adoption in the insurance sector. Chatterjee ensures technology empowers both internal operations and customer engagement.
    Sourabh Chatterjee

    Ajit Parashar - Branch Managing Partner, Associate Vice President

    Ajit Parashar, the Branch Managing Partner, Associate Vice President at Kotak Life, manages and drives business development within assigned geographic regions across India. This role focuses on expanding the company's market presence, cultivating strong client relationships, and achieving sales targets through effective branch operations. Parashar oversees sales teams, ensuring they are equipped to offer Kotak Life's comprehensive range of insurance products, including term plans and savings solutions. The Branch Managing Partner's responsibilities include implementing regional sales strategies, monitoring market trends, and ensuring exceptional customer service delivery. Ajit Parashar's leadership is vital in translating corporate objectives into tangible regional growth, reinforcing Kotak Life's commitment to serving individuals and businesses nationwide. Parashar ensures localized market penetration supports overall company expansion.

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    Frequently Asked Questions Regarding Kotak Life Top Executives and Leadership Team

    Who leads Kotak Life?
    Kotak Life is led by kAMARAJ Puthiya (Chief Executive Officer), along with executives such as Kalhan Koul (Chief Manager & Chief Financial Officer, S Office) and Hitesh Veera (Chief Operating Officer).
    Who is part of Kotak Life’s executive team?
    The executive team of Kotak Life includes leaders such as kAMARAJ Puthiya (Chief Executive Officer), Kalhan Koul (Chief Manager & Chief Financial Officer, S Office), Hitesh Veera (Chief Operating Officer) and other senior executives.
    How many executives does Kotak Life have?
    Kotak Life has 8 executives leading key business areas.
    What roles are included in Kotak Life’s leadership team?
    The leadership team of Kotak Life includes roles such as Chief Executive Officer, Chief Manager & Chief Financial Officer, S Office, Chief Operating Officer, Joint President, Chief Data and Analytics Officer, Duputy Vise President.