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Spotlight on: Insurance & Wealth Management for Emerging Markets

Microinsurance products specifically designed for MSMEs, SMEs and low & middle income segments have the potential to cover around four billion people and generate premiums of up to US$40 Billion.

Several insurers have developed technology to design innovative distribution models, such as mobile-based products, to improve accessibility and affordability, most are successful in environments where regulation is: 

  • Supporting and facilitating the use of technology and data analytics to better serve consumer needs 
  • Enabling digital and alternative forms of distribution to allow insurers to reach more customers in remote areas cost effectively 

On 22 June, the Inclusive FinTech Forum will deep dive into microinsurance, and wealth management solutions through the following fundamental questions:

  • What are the best-in-class cases of insurtech products that have successfully served the underserved?

  • Why is there a need for scalable and cost-effective solutions for micropension and microwealth management in emerging markets?

  • What are the opportunities, challenges, and impact of these solutions on financial inclusion and economic growth in emerging markets, including issues related to regulation, market infrastructure, and user adoption?

3 Sessions Not To Be Missed

1. The fortune at the bottom of the pyramid: a demand-led retail finance strategy

22 June | FinTech Without Borders Stage 

Carine Umutoni

Carine Umutoni

Managing Director

Ecobank Rwanda Plc.

Carine Umutoni

Managing Director

Mrs. Carine Umutoni is the Managing Director of Ecobank Rwanda Plc.

Mrs. Umutoni has over 19 years of experience in banking and has previously served in senior management roles in the banking sector in Rwanda such as Managing Director of BK Capital, Head of Treasury and Trade Finance at Bank of Kigali, Head of Treasury and Institutional Banking at KCB Rwanda and Head of Treasury and Trade Finance at Banque Commercial du Rwanda (BCR), now I&M Bank Rwanda.

She is also a member of the Agahozo Shalom Youth Village.

She is the holder of an MBA in Corporate Strategy and Economic Policy from Maastricht University, Netherlands.

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Carine Umutoni

Carine Umutoni

Managing Director

Ecobank Rwanda Plc.

Mrs. Carine Umutoni is the Managing Director of Ecobank Rwanda Plc.

Mrs. Umutoni has over 19 years of experience in banking and has previously served in senior management roles in the banking sector in Rwanda such as Managing Director of BK Capital, Head of Treasury and Trade Finance at Bank of Kigali, Head of Treasury and Institutional Banking at KCB Rwanda and Head of Treasury and Trade Finance at Banque Commercial du Rwanda (BCR), now I&M Bank Rwanda.

She is also a member of the Agahozo Shalom Youth Village.

She is the holder of an MBA in Corporate Strategy and Economic Policy from Maastricht University, Netherlands.

Mayada El-Zoghbi

Mayada El-Zoghbi

Strategic Advisor

Accion

Mayada El-Zoghbi

Strategic Advisor

Mayada El-Zoghbi is Managing Director at the Center for Financial Inclusion, US. Mayada started her career working with several non-profit organizations establishing inclusive financial institutions in the Palestinian Territories, Bosnia and Herzegovina, Croatia and Kosovo. Later in her career, Mayada served as Lead for Strategy, Research & Development for CGAP. In that role, she led strategy development and research on women’s financial inclusion and financial services in crisis environments. Prior to this, she managed CGAP’s work with the donor and investor community based in Paris, France. Mayada founded and managed a development consulting firm (2002-2009). She has also led numerous technical assistance, evaluation, and research assignments and served as a research director for a USAID initiative and lectured at Columbia’s School of International and Public Affairs.

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Mayada El-Zoghbi

Mayada El-Zoghbi

Strategic Advisor

Accion

Mayada El-Zoghbi is Managing Director at the Center for Financial Inclusion, US. Mayada started her career working with several non-profit organizations establishing inclusive financial institutions in the Palestinian Territories, Bosnia and Herzegovina, Croatia and Kosovo. Later in her career, Mayada served as Lead for Strategy, Research & Development for CGAP. In that role, she led strategy development and research on women’s financial inclusion and financial services in crisis environments. Prior to this, she managed CGAP’s work with the donor and investor community based in Paris, France. Mayada founded and managed a development consulting firm (2002-2009). She has also led numerous technical assistance, evaluation, and research assignments and served as a research director for a USAID initiative and lectured at Columbia’s School of International and Public Affairs.

Premasis Mukherjee

Premasis Mukherjee

Senior Financial Sector Specialist

UNCDF India

Premasis Mukherjee

Senior Financial Sector Specialist

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Premasis Mukherjee

Premasis Mukherjee

Senior Financial Sector Specialist

UNCDF India

Waringa Kibe

Waringa Kibe

Chief of Party, USAID Kenya Investment Mechanism

The Palladium Group

Waringa Kibe

Chief of Party, USAID Kenya Investment Mechanism

Waringa is a development sector practitioner with years of experience working in the financial sector ecosytem in East Africa. She has supported initiatives that have engaged the private sector in inclusive insurance, pensions, agriculture and SME finance and womens economic empowerment. Waringa has held several leadership roles such as the Country Director for Access to Finance Rwanda and the Chief of Party for USAID Kenya Investment Mechanism, implemented by Palladium Kenya.

She is passionate about convening stakeholders especially the private sector to drive action in developing appropriate finance solutions for growth and job creation in the African continent.

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Waringa Kibe

Waringa Kibe

Chief of Party, USAID Kenya Investment Mechanism

The Palladium Group

Waringa is a development sector practitioner with years of experience working in the financial sector ecosytem in East Africa. She has supported initiatives that have engaged the private sector in inclusive insurance, pensions, agriculture and SME finance and womens economic empowerment. Waringa has held several leadership roles such as the Country Director for Access to Finance Rwanda and the Chief of Party for USAID Kenya Investment Mechanism, implemented by Palladium Kenya.

She is passionate about convening stakeholders especially the private sector to drive action in developing appropriate finance solutions for growth and job creation in the African continent.

Marina Dimova

[Moderator] Marina Dimova

Global Director, Financial Industry & Network Advocacy

Women's World Banking

[Moderator] Marina Dimova

Global Director, Financial Industry & Network Advocacy

SAs the Global Director of Financial Industry & Network Advocacy at Women's World Banking, Marina leads the efforts to support Network Members and financial services providers across the industry to adopt best practices, share knowhow and take tangible actions to advance women’s financial inclusion. Women’s World Banking’s vision is to build a strong peer-learning community, which not only supports Network Members along their respective journeys to women’s financial inclusion, but also is a strong voice and champion for women’s economic empowerment for the financial industry. Marina also leads Women’s World Banking Fintech Innovation Challenge and engagements and partnerships with the fintech industry. In her previous role as Managing Director, Design and Innovation, she focused on identifying and designing innovative financial solutions for women and girls. Marina is a designer with over 18 years of experience developing, implementing and scaling innovative solutions to social problems. Previously, Marina was a Vice President at ideas42 and Associate Research Director at Ikatu International. She has also worked on agricultural value chains and private sector development at the World Bank, and in finance and healthcare consulting. Marina holds an MPA in International Development from Harvard Kennedy School, and a B.A. in Economics and Government from Franklin & Marshall College.
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Marina Dimova

[Moderator] Marina Dimova

Global Director, Financial Industry & Network Advocacy

Women's World Banking

SAs the Global Director of Financial Industry & Network Advocacy at Women's World Banking, Marina leads the efforts to support Network Members and financial services providers across the industry to adopt best practices, share knowhow and take tangible actions to advance women’s financial inclusion. Women’s World Banking’s vision is to build a strong peer-learning community, which not only supports Network Members along their respective journeys to women’s financial inclusion, but also is a strong voice and champion for women’s economic empowerment for the financial industry. Marina also leads Women’s World Banking Fintech Innovation Challenge and engagements and partnerships with the fintech industry. In her previous role as Managing Director, Design and Innovation, she focused on identifying and designing innovative financial solutions for women and girls. Marina is a designer with over 18 years of experience developing, implementing and scaling innovative solutions to social problems. Previously, Marina was a Vice President at ideas42 and Associate Research Director at Ikatu International. She has also worked on agricultural value chains and private sector development at the World Bank, and in finance and healthcare consulting. Marina holds an MPA in International Development from Harvard Kennedy School, and a B.A. in Economics and Government from Franklin & Marshall College.

2. Tailoring insurance for emerging markets: war stories of success and residual challenges

22 June | FinTech Without Borders Stage  

Arinjoy Dhar

Arinjoy Dhar

Senior Director

BRAC

Arinjoy Dhar

Senior Director

Arinjoy Dhar is the Senior Director for Microfinance at BRAC.

Mr. Dhar has diverse and extensive experience in inclusive finance, strategy implementation, large-scale transformation, digital innovation and adaptation, process improvement initiatives, and customer experience improvement initiatives. He has a proven record of developing strong and successful teams and is passionate about financial inclusion, frugal innovation, and solving social problems.

Before joining BRAC, Mr. Dhar worked for HSBC Hong Kong Commercial Banking as the Director and Head of Operational Excellence. Prior to this, he worked as the COO of Commercial Banking for Pearl River Delta at HSBC China. He held strategic management positions and worked for Commercial Banking teams in Hong Kong, Canada, China, and Bangladesh. He also worked for Asia Pacific Retail Banking, Global Trade and Receivable Finance, Global Insurance, Financial Control, Banking Operations, Credit Risk, Learning, and Development functions. He did a short time assignment in Vietnam as Country COO and worked on initiatives in Indonesia and Thailand and attended workshops in Mexico, the UK, Canada, and India.

Mr. Dhar holds a Master's Degree in Leadership Practice and Responsibility from Lancaster University and holds a Bachelor’s Degree from Birmingham City University. Mr. Dhar is a Fellow Member of CIMA (UK) and CPA (Australia). He attended advanced management programmes at McGill University, the University of Cambridge, and Shanghai Jiao Tong University.

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Arinjoy Dhar

Arinjoy Dhar

Senior Director

BRAC

Arinjoy Dhar is the Senior Director for Microfinance at BRAC.

Mr. Dhar has diverse and extensive experience in inclusive finance, strategy implementation, large-scale transformation, digital innovation and adaptation, process improvement initiatives, and customer experience improvement initiatives. He has a proven record of developing strong and successful teams and is passionate about financial inclusion, frugal innovation, and solving social problems.

Before joining BRAC, Mr. Dhar worked for HSBC Hong Kong Commercial Banking as the Director and Head of Operational Excellence. Prior to this, he worked as the COO of Commercial Banking for Pearl River Delta at HSBC China. He held strategic management positions and worked for Commercial Banking teams in Hong Kong, Canada, China, and Bangladesh. He also worked for Asia Pacific Retail Banking, Global Trade and Receivable Finance, Global Insurance, Financial Control, Banking Operations, Credit Risk, Learning, and Development functions. He did a short time assignment in Vietnam as Country COO and worked on initiatives in Indonesia and Thailand and attended workshops in Mexico, the UK, Canada, and India.

Mr. Dhar holds a Master's Degree in Leadership Practice and Responsibility from Lancaster University and holds a Bachelor’s Degree from Birmingham City University. Mr. Dhar is a Fellow Member of CIMA (UK) and CPA (Australia). He attended advanced management programmes at McGill University, the University of Cambridge, and Shanghai Jiao Tong University.

Ayandev Saha

Ayandev Saha

Lead, Climate Risk Adaptation and Insurance

K. M. Dastur & Company Limited

Ayandev Saha

Lead, Climate Risk Adaptation and Insurance

Ayandev has over 15 years of experience in design and implementation of universal, inclusive and climate risk insurance scheme(s) in Afro-Asian region. He has led several World Bank, ADB and donor funded (e.g., USAID, UKAID, IFAD) projects. He has advised governments, regulators, associations and insurers on social protection, regulations and strategies for building mass markets. He has worked extensively in the areas of research and public policy, product development, relationship management and facilitating tie-ups with partners and donors to provide insurance solutions to the low-income households/ institutions. In his recent assignment, Ayandev has served as the Strategic Advisor in the Ministry of Finance and Economic Planning, Government of Rwanda.
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Ayandev Saha

Ayandev Saha

Lead, Climate Risk Adaptation and Insurance

K. M. Dastur & Company Limited

Ayandev has over 15 years of experience in design and implementation of universal, inclusive and climate risk insurance scheme(s) in Afro-Asian region. He has led several World Bank, ADB and donor funded (e.g., USAID, UKAID, IFAD) projects. He has advised governments, regulators, associations and insurers on social protection, regulations and strategies for building mass markets. He has worked extensively in the areas of research and public policy, product development, relationship management and facilitating tie-ups with partners and donors to provide insurance solutions to the low-income households/ institutions. In his recent assignment, Ayandev has served as the Strategic Advisor in the Ministry of Finance and Economic Planning, Government of Rwanda.
Emmanuel Mokobi Aryee

Emmanuel Mokobi Aryee

Chief Executive Officer

Prudential Africa

Emmanuel Mokobi Aryee

Chief Executive Officer

 

 
 
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Emmanuel Mokobi Aryee

Emmanuel Mokobi Aryee

Chief Executive Officer

Prudential Africa

 

 
 
Saurabh Sharma

Saurabh Sharma

Director, Emerging Customers

Britam Holdings Plc

Saurabh Sharma

Director, Emerging Customers

Saurabh is passionate about using insurance as a tool to address some of the global development challenges. He has over ten years’ experience in leadership and advisory roles within the inclusive insurance space in East Africa and South Asia. Currently, he is the Director, Emerging Customers at Britam Group, East Africa’s largest insurance group. In this role, he is responsible for expanding Britam’s product portfolio including insurance, investments and pensions for traditionally underserved customer groups

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Saurabh Sharma

Saurabh Sharma

Director, Emerging Customers

Britam Holdings Plc

Saurabh is passionate about using insurance as a tool to address some of the global development challenges. He has over ten years’ experience in leadership and advisory roles within the inclusive insurance space in East Africa and South Asia. Currently, he is the Director, Emerging Customers at Britam Group, East Africa’s largest insurance group. In this role, he is responsible for expanding Britam’s product portfolio including insurance, investments and pensions for traditionally underserved customer groups

Parul

[Moderator] Parul Seth Khanna

Co-founder & Director

Pinbox Solutions

[Moderator] Parul Seth Khanna

Co-founder & Director

Parul is a co-founder and director of pinBox. She has extensive experience in conceptualizing and implementing innovative financial literacy models and strategies, as well as technology-led outreach platforms for micro-pension and micro-insurance inclusion in developing countries. Parul developed and implemented "gift-a-pension", the first P2P eCommerce platform globally for pension and insurance inclusion of home help (nanny, drivers, guards, cooks) and blue-collar workers in garment export units.

At pinBox, Parul has worked in Rwanda, India, Uganda, Bangladesh, Nigeria, Papua New Guinea and Kenya on designing a replicable and inclusive model and for contributory microPension programs. She was also part of World Bank, United Nations Development Program and FSD teams on advising pension regulators and finance ministries in developing field-tested strategies for expanding voluntary pension coverage. Parul has ~10 years of experience as a journalist at BBC, CNBC and NDTV.

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Parul

[Moderator] Parul Seth Khanna

Co-founder & Director

Pinbox Solutions

Parul is a co-founder and director of pinBox. She has extensive experience in conceptualizing and implementing innovative financial literacy models and strategies, as well as technology-led outreach platforms for micro-pension and micro-insurance inclusion in developing countries. Parul developed and implemented "gift-a-pension", the first P2P eCommerce platform globally for pension and insurance inclusion of home help (nanny, drivers, guards, cooks) and blue-collar workers in garment export units.

At pinBox, Parul has worked in Rwanda, India, Uganda, Bangladesh, Nigeria, Papua New Guinea and Kenya on designing a replicable and inclusive model and for contributory microPension programs. She was also part of World Bank, United Nations Development Program and FSD teams on advising pension regulators and finance ministries in developing field-tested strategies for expanding voluntary pension coverage. Parul has ~10 years of experience as a journalist at BBC, CNBC and NDTV.

3. Templatising digital micro-pension and micro-wealth solutions for emerging markets

22 June | FinTech Without Borders Stage 

Chantal Kagame (1)

Chantal Kagame

Chief Executive Officer

Mobile Money Rwanda Ltd

Chantal Kagame

Chief Executive Officer

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Chantal Kagame (1)

Chantal Kagame

Chief Executive Officer

Mobile Money Rwanda Ltd

Charlotte Roenje

Charlotte Roenje

Co-founder & Chief Executive Officer

Jamii.one

Charlotte Roenje

Co-founder & Chief Executive Officer

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Charlotte Roenje

Charlotte Roenje

Co-founder & Chief Executive Officer

Jamii.one

Rashmi Pillai

Rashmi Pillai

Group Head of Public Policy

Wave Mobile Money

Rashmi Pillai

Group Head of Public Policy

Ms. Rashmi Pillai is a global executive with 17+ years of experience in impact investing, digital financial services, inclusive and competitive financial markets development and financial markets policy and regulation—across Africa and South Asia.

She is currently the Global Head of Public Policy for Wave Mobile Money. Previously she was the CEO at Financial Sector Deepening Uganda (FSDU). Prior to that she was a digital financial services technical expert to two organizations - CGAP, at the World Bank and the Better Than Cash Alliance at the UNCDF across multiple African countries. 

Before her foray into financial inclusion and financial markets development, Ms. Pillai co-founded the "Sankalp Forum" - The first major impact investment deal flow platform in India for for-profit social enterprises and took it to scale. The forum has now expanded across South East Asia and East Africa. 

Ms. Pillai has a Masters in Public Policy from Harvard Kennedy School of Government, Harvard University on a Fulbright Scholarship. She also holds another Masters in Spectroscopic Physics from M.S. University Baroda, India. 

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Rashmi Pillai

Rashmi Pillai

Group Head of Public Policy

Wave Mobile Money

Ms. Rashmi Pillai is a global executive with 17+ years of experience in impact investing, digital financial services, inclusive and competitive financial markets development and financial markets policy and regulation—across Africa and South Asia.

She is currently the Global Head of Public Policy for Wave Mobile Money. Previously she was the CEO at Financial Sector Deepening Uganda (FSDU). Prior to that she was a digital financial services technical expert to two organizations - CGAP, at the World Bank and the Better Than Cash Alliance at the UNCDF across multiple African countries. 

Before her foray into financial inclusion and financial markets development, Ms. Pillai co-founded the "Sankalp Forum" - The first major impact investment deal flow platform in India for for-profit social enterprises and took it to scale. The forum has now expanded across South East Asia and East Africa. 

Ms. Pillai has a Masters in Public Policy from Harvard Kennedy School of Government, Harvard University on a Fulbright Scholarship. She also holds another Masters in Spectroscopic Physics from M.S. University Baroda, India. 

Regis Rugemanshuro

Regis Rugemanshuro

Chief Executive Officer

Rwanda Social Security Board

Regis Rugemanshuro

Chief Executive Officer

Mr. Regis RUGEMANSHURO is the Chief Executive Officer, Formerly the Chief Digital Officer of Bank of Kigali Plc (B.K), he oversaw Rwanda's largest commercial banks' digital transformation journey.

Previously he was the first Chief Executive Officer (CEO) of B.K TechHouse, the Tech-based subsidiary of B.K. During his stint as CEO, Regis had been named the finalist for East Africa Innovator of the Year award as part of 2018 All Africa Business Leaders Award. Under his leadership, BK TechHouse was also voted as the 2017 Best Technology Company in Rwanda.

Prior to joining BK Group, Regis had built his career in the United States, consulting for global tech giants such as Hewlett Packard, Microsoft, and I-Mobile. It was during this period that he also served with Accenture Plc (Seattle).

Regis is driven by transforming large organizations to realize the promise of the digital revolution via the adoption of business best practices and standards that are fit for the digital area.

He is a Board Member for multiple public and private sector institutions and is the founding member of the Project Management Institute (PMI) Rwanda Chapter. Regis is also a certified Project Management Professional (PMP) and SAFE Consultant (SPC4) under the Global Scaled Agile Academy.

He has a bachelor's degree in Science and Information Technologies and an MBA from Misericordia University in Pennsylvania.

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Regis Rugemanshuro

Regis Rugemanshuro

Chief Executive Officer

Rwanda Social Security Board

Mr. Regis RUGEMANSHURO is the Chief Executive Officer, Formerly the Chief Digital Officer of Bank of Kigali Plc (B.K), he oversaw Rwanda's largest commercial banks' digital transformation journey.

Previously he was the first Chief Executive Officer (CEO) of B.K TechHouse, the Tech-based subsidiary of B.K. During his stint as CEO, Regis had been named the finalist for East Africa Innovator of the Year award as part of 2018 All Africa Business Leaders Award. Under his leadership, BK TechHouse was also voted as the 2017 Best Technology Company in Rwanda.

Prior to joining BK Group, Regis had built his career in the United States, consulting for global tech giants such as Hewlett Packard, Microsoft, and I-Mobile. It was during this period that he also served with Accenture Plc (Seattle).

Regis is driven by transforming large organizations to realize the promise of the digital revolution via the adoption of business best practices and standards that are fit for the digital area.

He is a Board Member for multiple public and private sector institutions and is the founding member of the Project Management Institute (PMI) Rwanda Chapter. Regis is also a certified Project Management Professional (PMP) and SAFE Consultant (SPC4) under the Global Scaled Agile Academy.

He has a bachelor's degree in Science and Information Technologies and an MBA from Misericordia University in Pennsylvania.

Sundeep Raichura Portrait

Sundeep K Raichura

Group Chief Executive Officer

Zamara

Sundeep K Raichura

Group Chief Executive Officer

Sundeep is a qualified actuary and CEO of the Zamara Group, a diversified financial services group specialising in actuarial, pensions, medical and insurance solutions with a presence in six countries in Africa and a Pan African ambition. He has over 35 years’ experience in his field gained both in the UK and in Kenya.    He studied at the LSE and the London Business School.  

Sundeep was founding chairman of The Actuarial Society of Kenya, has been Chairman of the Africa Committee of the International Actuarial Association and been a member of the Capital Markets Authority Advisory Committee.   He is on the Advisory Board of the Africa Green Investment Infrastructure Bank and founding Chairman of the Kenya Pension Fund Investment Consortium.

Sundeep is also a Rotarian and has served on senior positions in Rotary, currently a member of the Rotary District Ethics & Governance Committee. Sundeep is married with two daughters.

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Sundeep Raichura Portrait

Sundeep K Raichura

Group Chief Executive Officer

Zamara

Sundeep is a qualified actuary and CEO of the Zamara Group, a diversified financial services group specialising in actuarial, pensions, medical and insurance solutions with a presence in six countries in Africa and a Pan African ambition. He has over 35 years’ experience in his field gained both in the UK and in Kenya.    He studied at the LSE and the London Business School.  

Sundeep was founding chairman of The Actuarial Society of Kenya, has been Chairman of the Africa Committee of the International Actuarial Association and been a member of the Capital Markets Authority Advisory Committee.   He is on the Advisory Board of the Africa Green Investment Infrastructure Bank and founding Chairman of the Kenya Pension Fund Investment Consortium.

Sundeep is also a Rotarian and has served on senior positions in Rotary, currently a member of the Rotary District Ethics & Governance Committee. Sundeep is married with two daughters.

Parul Seth Khanna

[Moderator] Parul Seth Khanna

Co-founder & Director

Pinbox Solutions

[Moderator] Parul Seth Khanna

Co-founder & Director

Parul is a co-founder and director of pinBox. She has extensive experience in conceptualizing and implementing innovative financial literacy models and strategies, as well as technology-led outreach platforms for micro-pension and micro-insurance inclusion in developing countries. Parul developed and implemented "gift-a-pension", the first P2P eCommerce platform globally for pension and insurance inclusion of home help (nanny, drivers, guards, cooks) and blue-collar workers in garment export units.

At pinBox, Parul has worked in Rwanda, India, Uganda, Bangladesh, Nigeria, Papua New Guinea and Kenya on designing a replicable and inclusive model and for contributory microPension programs. She was also part of World Bank, United Nations Development Program and FSD teams on advising pension regulators and finance ministries in developing field-tested strategies for expanding voluntary pension coverage. Parul has ~10 years of experience as a journalist at BBC, CNBC and NDTV.

×
Parul Seth Khanna

[Moderator] Parul Seth Khanna

Co-founder & Director

Pinbox Solutions

Parul is a co-founder and director of pinBox. She has extensive experience in conceptualizing and implementing innovative financial literacy models and strategies, as well as technology-led outreach platforms for micro-pension and micro-insurance inclusion in developing countries. Parul developed and implemented "gift-a-pension", the first P2P eCommerce platform globally for pension and insurance inclusion of home help (nanny, drivers, guards, cooks) and blue-collar workers in garment export units.

At pinBox, Parul has worked in Rwanda, India, Uganda, Bangladesh, Nigeria, Papua New Guinea and Kenya on designing a replicable and inclusive model and for contributory microPension programs. She was also part of World Bank, United Nations Development Program and FSD teams on advising pension regulators and finance ministries in developing field-tested strategies for expanding voluntary pension coverage. Parul has ~10 years of experience as a journalist at BBC, CNBC and NDTV.