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Farhan QezrnaviChief Human Resources Officer

Farhan Qezrnavi · Chief Human Resources Officer · India

From preserving a question to revising the organisation’s answer

CHAPTER 1

Apr 2021 — Present

Chief Human Resources Officer

Terqlavi General Assurance

Sector
General-insurance employment and people governance
Ownership
Domestic investment company 63%; employee ownership vehicle 37%; no personal or beneficial holding
Company scale
FY 2025–26 gross written premium ₹730 crore; not revenue or profit
Employees
460 at March 2026
Geography
Lucknow headquarters and nineteen branches
Reporting to
Chief Executive Officer; board attendance by invitation for people matters
Team
Twenty-one people colleagues through three heads
Financial scope
₹3.9 crore annual function expense, separate from ₹67 crore group employee expense

Mandate

Make the reasoning and practical conditions of people decisions clear

Outcomes

  • Separated relocation willingness from specialist capability
  • Funded local development alongside a more honest succession account
  • Established a distinct decision owner for performance-rating reviews

Decisions in context

I became CHRO in April 2021 and now work through three heads with twenty-one colleagues. The ₹3.9 crore function expense is separate from the insurer’s ₹67 crore group employee expense. I report to the CEO and join board discussions when invited, without a statutory appointment. The succession work asked managers to hear what the named specialists were willing to do before treating them as available coverage. The performance-review work asked a different question about who should reconsider a decision. Both required additional capacity and a less convenient account of unfinished work. I coordinate with operating leaders and professional advisers rather than treat people policy as authority over every consequence. The role has made me responsible for the confidence conveyed by our reporting categories, including when a concise label says more than the underlying discussion has established.

Reason for the move

Current appointment; considering a mandate that welcomes examination of employment-process assumptions

Concurrent appointment

Executive CHRO role only; no statutory directorship

CHAPTER 2

Apr 2016 — Mar 2021

Head of Reward and Development

Terqlavi General Assurance

Sector
Insurer reward and employee development
Ownership
Private domestic investment and employee interests
Company scale
Annual gross written premium reached ₹482 crore by period end
Employees
318 company employees at period end
Geography
Lucknow-led regional insurer
Reporting to
Chief Human Resources Officer
Team
Sixteen people-function colleagues
Financial scope
₹2.7 crore annual function expense; pay awards and review projects separately approved

Mandate

Explain how reward and development decisions relate to the actual work

Outcomes

  • Reconsidered my previous-salary offer shortcut
  • Helped assess eighteen unissued proposals through role evidence
  • Kept offer revision separate from changes to existing contractual pay

Decisions in context

Sixteen colleagues worked within ₹2.7 crore annual expense when I led reward and development. The appointment included the pay-offer rule I later withdrew. A fixed percentage above previous salary had seemed consistent and easy for managers to use. Two otherwise comparable proposals made its weakness visible: the calculation preserved different histories without explaining the value of the new work. I took responsibility for supporting the shortcut and worked with finance, hiring managers and advisers on a fuller review. The correction concerned unissued proposals and did not authorise reductions to existing employees’ pay. It required us to explain the proposed position within an evaluated role range, rather than hide the judgement inside a formula. Promotion to CHRO widened my remit, but that experience remained a reminder to question the organisational convenience of a rule I favoured.

Reason for the move

Promoted to lead the wider people agenda as CHRO

CHAPTER 3

Apr 2010 — Mar 2016

People Partner

Terqlavi General Assurance

Sector
General-insurance people partnering
Ownership
Privately held domestic insurer
Company scale
Annual gross written premium ₹240 crore at period end
Employees
181 company employees at period end
Geography
Lucknow and regional operating branches
Reporting to
Head of Human Resources
Team
Ten people-service and partnering colleagues
Financial scope
₹1.4 crore annual function expense; technical insurance decisions outside remit

Mandate

Understand the professional work before defining employment and development processes around it

Outcomes

  • Distinguished development from technical authorisation
  • Worked with operating owners on role expectations
  • Connected people-service questions with specialist responsibilities

Decisions in context

The insurer appointment required me to learn work whose technical responsibilities were outside HR. Ten colleagues operated within ₹1.4 crore annual function expense. A development plan could prepare someone for a role, but it did not itself confer authority to make a claims or underwriting decision. I worked with the relevant owners to keep employment, selection and professional permission distinct. That learning influenced how I later read succession charts: readiness needed a definition rather than an assumed universal meaning. The role also brought me closer to managers trying to maintain service while developing people. Their practical concerns mattered, although they did not settle every question about opportunity or employee choice. Moving into reward and development gave me a wider chance to examine how apparently consistent processes shaped those decisions and what evidence managers needed to explain them.

Reason for the move

Promoted to lead reward design and employee development

CHAPTER 4

Apr 2003 — Mar 2010

HR Service Manager

Kelqravi Workplace Services

Sector
Regional business and workplace support
Ownership
Privately owned service partnership
Company scale
Annual company revenue ₹27 crore at departure
Employees
94 at departure
Geography
Lucknow-based business-service teams
Reporting to
Personnel Director
Team
Seven HR service colleagues
Financial scope
₹58 lakh annual function expense; business appointments and pay approvals retained by authorised managers

Mandate

Provide dependable people service while examining what each process actually establishes

Outcomes

  • Clarified routes for unresolved employment questions
  • Distinguished explaining a rule from defending every assumption inside it
  • Helped managers identify the evidence relevant to a personnel decision

Decisions in context

I managed seven colleagues within ₹58 lakh annual function expense. Our team organised the people-service route, while authorised managers retained appointment and pay decisions. I learned that procedural reliability and sound reasoning were related but different responsibilities. An employee could provide the requested record and still face a decision whose purpose had not been explained. I asked colleagues to identify what the process needed to establish and to refer questions beyond their authority rather than improvise an answer. The work made me attentive to the unnecessary personal detail an organisation might request simply because a form had always included it. Joining Terqlavi later offered a more specialised environment in which to apply that discipline. I wanted to understand how people processes supported professional work, while continuing to question assumptions that made administration convenient at the employee’s expense.

Reason for the move

Joined a general insurer to develop people-partnering experience in a specialised enterprise

CHAPTER 5

Jun 1997 — Mar 2003

Personnel Assistant

Kelqravi Workplace Services

Sector
Business-service personnel administration
Ownership
Private local enterprise
Company scale
Annual company revenue ₹9 crore at period end
Employees
38 at period end
Geography
Lucknow workplace-support assignments
Reporting to
Personnel Manager
Team
Individual contributor in a five-person personnel group
Financial scope
Records and service support without delegated hiring, pay or spending authority

Mandate

Preserve the employee’s question when the available form does not resolve it

Outcomes

  • Maintained records under supervision
  • Directed employment questions to responsible owners
  • Learned the limits of administrative closure

Decisions in context

I began in June 1997 after completing psychology studies the previous month. Five of us supported personnel records and helped colleagues find the right owner for employment questions. I had no authority to decide salary, appoint staff or interpret employment law. The work taught me to distinguish an administratively complete record from a concern that had actually been considered. Sometimes the person had followed every instruction and still did not understand the reasoning behind the next step. I could preserve that question and bring it to the personnel manager, rather than close the record with an answer beyond my competence. That modest responsibility shaped my later interest in how processes define people. Leading the service team eventually meant helping colleagues exercise the same care while giving managers a dependable account of what remained unresolved.

Reason for the move

Promoted to manage the people-service team

What I am looking for next

I would consider a CHRO mandate where the executive team expects people policies to be examined through their actual consequences, including when a familiar rule needs revision. The role should allow conversation with employees and operating owners before a reporting category is treated as a settled fact. I would want clarity about reward authority, professional advice, development resources and the board’s expectations for succession evidence. For a first outside contribution, twenty-three annual days are a proposal to test against current duties, induction, preparation, travel and exceptional demands. I have not held a statutory seat and still need the relevant independent-role preparation and registration. The receiving company would need to assess the appointment and my relationships, rather than treat invited board presentations as equivalent service. I would seek a chair who values questions about the organisation’s assumptions while keeping employment management with its own executives. A role centred on settling individual employee disputes between meetings would not be the contribution I am proposing.