- Sector
- Health insurance and associated policy-service technology
- Ownership
- Founder interests 44%, corporate investors 41%, employee vehicle 15%; no personal beneficial holding
- Company scale
- FY 2025–26 gross written premium ₹1,480 crore; not revenue, profit or technology budget
- Employees
- 625 company employees; 68 technology employees and 12 separately counted contractors
- Geography
- Amritsar headquarters and twenty-one branches
- Reporting to
- Chief Executive Officer; invited technology presentations to directors
- Team
- Sixty-eight technology employees through five heads; twelve contractors separately
- Financial scope
- ₹17.8 crore annual technology operating expense and ₹5.9 crore approved change investment
Mandate
Make system change preserve the service and information obligations it carries
Outcomes
- Introduced purpose-led review of diagnostic fields
- Changed maintenance planning around continuing hospital-service demand
- Kept failed fallback evidence in the rollout decision
Decisions in context
Five heads lead sixty-eight technology employees in my current remit, with twelve contractors counted outside that employee total. The annual operating expense is ₹17.8 crore, alongside ₹5.9 crore approved change investment whose accounting treatment remains a finance responsibility. I report to the CEO and explain recommendations to directors when invited, without a statutory seat. The logging work and maintenance programme both required more than a technically plausible configuration. Information owners needed to establish what data the support process required, while operating colleagues needed a workable route through a service interruption. My responsibility was to connect those obligations with the design, cost and release decision. I have learned to keep the incomplete part of the programme visible even when most exercises succeed. A CIO should make it possible for the organisation to decide with that limitation understood, rather than inherit it after a confident launch report.
Reason for the move
Current appointment; considering insurer technology leadership and a prepared first outside contribution
Concurrent appointment
Executive CIO role without a statutory directorship
- Sector
- Insurer application and infrastructure operations
- Ownership
- Privately held domestic insurer
- Company scale
- Annual gross written premium reached ₹960 crore at period end
- Employees
- 438 total employees; 48 within technology remit
- Geography
- Amritsar-led branch and partner-service network
- Reporting to
- Chief Operating Officer
- Team
- Forty-eight technology employees
- Financial scope
- ₹11.2 crore annual technology expense; enterprise investment approval separate
Mandate
Connect application changes with the work required after migration
Outcomes
- Withdrew a premature legacy-retirement recommendation
- Mapped historical report types to retrieval evidence
- Retained controlled access while three report types remained unresolved
Decisions in context
I led forty-eight employees within ₹11.2 crore annual technology expense by the end of this appointment. The 2019 retirement proposal exposed a weakness in my own evidence: current transactions had moved, but historical reporting work had not all acquired a usable replacement. Thirty-six report types needed examination, and nine still depended on the older system. I withdrew the shutdown recommendation and explained the transition expense rather than preserve the appearance of an on-time exit. The work did not give technology authority to retain every record indefinitely. Information owners still had to determine the applicable obligations and authorised disposal. My role was to make the technical dependency and remaining retrieval limitation explicit. That experience shaped my subsequent CIO appointment because it changed how I described completion to operating and financial colleagues: the migrated transaction count could not stand in for the work people would still need to perform.
Reason for the move
Promoted to CIO with enterprise technology planning and direct CEO reporting
- Sector
- Health-insurance business applications
- Ownership
- Domestic founder and investor ownership
- Company scale
- Annual gross written premium ₹430 crore at period end
- Employees
- 263 company employees at departure from role
- Geography
- Amritsar and regional service branches
- Reporting to
- Head of Information Technology
- Team
- Twenty-four application colleagues
- Financial scope
- ₹4.3 crore annual applications expense; policy and claim authority outside remit
Mandate
Translate continuing business work into maintainable application responsibilities
Outcomes
- Connected application support with named service owners
- Separated information access from business decision rights
- Built experience across current transactions and historical enquiry
Decisions in context
Twenty-four colleagues worked within ₹4.3 crore annual applications expense. Joining an insurer meant learning how the same record could matter to different people at different points in its life. A current service transaction and a later historical enquiry were related, but they did not necessarily require the same interface or permission. I learned to ask operating colleagues what they needed to establish before deciding which technical route would support it. The applications team could expose information and implement authorised rules; it did not decide policy entitlement or make clinical judgements. That boundary helped when requests arrived with an urgent business label but an unclear owner. The later legacy-retirement mistake showed that understanding the principle was not enough. I still had to apply it to the whole migration decision rather than assume that a modern transaction platform had absorbed every older obligation.
Reason for the move
Promoted to lead the wider technology function
- Sector
- Business-system integration for distribution enterprises
- Ownership
- Privately owned technology-services firm
- Company scale
- Annual company service income ₹37 crore at departure
- Employees
- 126 company employees at departure
- Geography
- Amritsar delivery office and northern client assignments
- Reporting to
- Delivery Director
- Team
- Eleven integration colleagues
- Financial scope
- ₹1.2 crore annual delivery expense; client investment approvals separate
Mandate
Make the boundaries between systems understandable before changing them
Outcomes
- Led interface and support handovers
- Identified work that remained outside a new application
- Learned to distinguish a technical transfer from business acceptance
Decisions in context
I led eleven colleagues within ₹1.2 crore annual delivery expense. Integration assignments made the edges of a system more interesting than its launch presentation. A transfer could succeed while leaving the receiving team without the context needed to complete its work. I learned to describe that remaining responsibility in the handover instead of treating a successful connection as the whole outcome. Clients retained business approval and investment authority, while our team owned the implementation and support evidence within the assignment. Moving to Merqlavi offered an opportunity to remain with those obligations after project completion. I wanted to understand how application decisions accumulated inside one enterprise, rather than see only the short period around installation. The transition also required humility about insurance: experience connecting systems did not itself provide the professional knowledge needed to interpret a policy, settle a claim or decide which records could be discarded.
Reason for the move
Joined an insurer to lead applications through their continuing operating life
- Sector
- Distribution-system operations and support
- Ownership
- Private local technology enterprise
- Company scale
- Annual service fees ₹9 crore at period end
- Employees
- 41 company employees at period end
- Geography
- Amritsar operations and client-support office
- Reporting to
- Operations Supervisor
- Team
- Individual contributor in a six-person operating group
- Financial scope
- Scheduled operating tasks without purchasing or client-data ownership authority
Mandate
Make the status of scheduled work and unresolved exceptions clear to the next operator
Outcomes
- Worked within supervised operating instructions
- Recorded incomplete tasks for the following shift
- Learned that a successful run did not answer every user question
Decisions in context
After completing computer-science studies in May 1992, I joined a six-person operating group. The work involved scheduled tasks, status records and handover to the next operator. I had no purchasing authority and could not decide how a client’s information should be used. It was an early lesson in the difference between seeing a technical status and understanding the business obligation behind it. A successful run might still leave someone needing a report, an explanation or a permitted correction. I learned to preserve the unresolved question rather than write the account as though the machine’s last message ended the work. That discipline supported my move into integration, where the same distinction appeared between organisations and applications. Later leadership added financial and people responsibility, but it did not remove the need to explain what the system had actually done and what remained outside that evidence.
Reason for the move
Promoted to lead integration delivery
What I am looking for next
My next CIO mandate should make room for decisions about what remains after a migration, an information change or a maintenance window. I would want operating, finance and information owners to participate in those decisions, with the technology plan showing both transition expense and the continuing cost of the chosen service model. A promise to remove every older system quickly would be a poor starting condition if the necessary historical work had not been mapped. I would also consider a first outside contribution after completing the preparation and appointment assessment it requires. Twenty-two annual days are an initial capacity proposal to test against induction, exceptional meetings and my executive commitments. I hold no statutory directorship and do not claim that presenting technology recommendations provides equivalent experience. A useful chair would want scrutiny of the change proposition and its evidence, while leaving implementation with management. The role should never depend on access to protected information from my insurer or its partners.