About Us
Enabling Indian Cultivators Rise
Strategic Resilience Towards Risk
Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localized insurance products.
Board Members
Natraj Nukala
Founder, Chairman & Director
Natraj is an entrepreneur with Masters in Risk Management from NYU. His most recent venture, ITUS is an insurance broking firm, profitable from year 1 and has pioneered the use of technology in all areas of claim management. Natraj is the visionary and instrumental in the realization of the idea, Kshema.
Dr Vyasa Krishna Burugupalli
Managing Director and CEO
Dr. Vyasa Krishna Burugupalli is an insurance professional for the past 45 years with an experience in a number of regulatory environments. He has guided various NGOs including the Bill and Melinda Gates grantees on microinsurance. He has been connected to the Uganda Insurance Industry for the past twenty years. He was the Chief Executive Officer of the First Insurance Company Limited in Kampala till recently.
He holds a doctoral qualification on a risk management topic in insurance. He is a Fellow of the Australian and New Zealand Institute of Insurance and Finance as well as a Certified Insurance Practitioner. He is a Fellow of the Insurance Training College of Uganda.
Rajeshnani Dasari
Independent Director
Rajesh is a technologist with over 2 decades of experience across insurance, automotive, manufacturing, pharmaceutical and high-tech industries. He is currently with Oracle Corporation as Sr. Director serving customers in their adaption of cloud and emerging technologies.
Deepa
Independent Director
Deepa is co-founder and partner of Athena Infonomics – a global impact solutions group. Deepa has led several programs in Asia and Africa with a focus on advancing equitable and safe public services in changing urban contexts. She serves as part of Technical Advisory Group for the Global Partnership for Sustainable Development Data (GPSDD) and is a member of the IWA digital water program steering committee. Deepa holds a master’s degree in economics from the National University of Singapore.
Sivarama Prasad Tammana
Independent Director
Mr Sivarama Prasad Tammana comes with over 40 years of experience in Banking, Investor Relations, Appraisal of Corporate & SME proposals, handling operations in Agriculture, Personal Banking, Investments. Stressed Assets Management, having served in different Geographies. He played key roles in Andhra Bank and represented Karur Vysya Bank as Board of Director in Industrial and Technical Consultancy Organization of Tamilnadu Limited (ITCOT). He served as a member of various committees such as ALCO, Credit Committee, Credit Risk, Central Management Committee and NPA committee and liaised with FIIs, HNIs, Merchant Bankers in India & Overseas as Chief Investor Relations Officer. He retired as the CFO and CIRO of Karur Vysya Bank Ltd after having served in the organization in various capacities since 1994. He holds a B.Tech degree in Chemical Engineering from Andhra University.
Management Team
Piyush Jain
Appointed Actuary
Piyush has close to a decade of experience in the insurance industry with stints at RSA Insurance Group, McKinsey, KPMG and AXA XL across multiple geographies. Piyush's diverse exposure to insurance markets in Asia Pacific, Middle East, Europe, and the UK has provided him with a comprehensive understanding of the industry's nuances and challenges. In addition to the traditional responsibilities of an Appointed Actuary including reserving and pricing, Piyush is also developing data science and catastrophe modelling capabilities within the company. Piyush is a Fellow member of the Institute of Actuaries of India (IAI) and the Institute and Faculty of Actuaries (IFoA), UK. Additionally, he holds a bachelor's degree in commerce from Delhi University, blending his technical acumen with a strong foundation in business and finance.
Prashant Shenoy
Chief Financial Officer
Prashant is associated with the company since February 2023. He brings nearly two decades of extensive experience in Corporate Finance, Project Finance, Accounting, Budgetary Control & Variance Analysis, Working Capital & Treasury Management, Mergers & Acquisitions, Auditing, and Taxation matters in a global environment. Prashant has a proven track record in team building, process development, and handling complex accounting and taxation matters. He has previously held senior positions in organisations across various sectors like green energy, pharma and infrastructure. He is a member of the Institute of Chartered Accountants of India and a commerce graduate from Osmania University.
Arinjay Jaini
Chief Investment Officer
Arinjay brings nearly two decades of rich experience in financial sector, including working with prominent insurance companies, private equity firms etc. Throughout his career, he has successfully spearheaded investments, multiple strategic projects, and initiatives across markets around the globe, significantly enhancing organisational value and efficiency. His professional journey includes pivotal roles at Aviva Life Insurance, Canara HSBC Life Insurance, and Global Growth – a US based PE firm. He is a Fellow member of the Institute of Chartered Accountants of India and is an alumnus of the prestigious Shri Ram College of Commerce, University of Delhi. He assumed his role at Kshema in July 2023.
Bhaskar Thakur
Chief Marketing Officer
Bhaskar is at the helm of Kshema’s marketing, brand, and communications. He comes with close to two decades of experience across different sectors in India, SEA and China. He drives digital sales, customer delight & retention across all touchpoints and phases of the consumer journey using cutting edge data analytics. His focus in on creating maximum awareness about Kshema, building trust amongst the target group. He has worked in senior roles with OPPO, OYO and JWT, among others in his career and is a management post-graduate from ENPC France.
Kumar Saurav
Chief Risk Officer
Kumar Saurav brings over 20 years of experience in his role as the Chief Risk Officer. He has been associated with the company since July 2023 and devises effective strategies to remain vigilant and manage multiple forms of risks. An accomplished risk professional, he is responsible for leading the Enterprise Risk Management initiative and providing assurance to the Risk Management Committee on the company's exposure to Key Risks. His areas of specialisation include reporting to and extensive interaction with Risk Committee, setting up the ERM Framework and execution (including operational risks, technology risks & cyber security, business continuity management), liaising with regulators and representing the organisation at industry forums. He has previously worked at HDFC Life and Edelweiss Tokio Life Insurance. He is an alumnus of the Indian Institute of Technology, Delhi.
C V Kumar
Chief Underwriting Officer
CV Kumar is an insurance industry veteran with more than three-decade long career spent in both the public and private sectors. He has extensive experience across various functions including underwriting, claims, reinsurance and marketing. He worked at an insurance broking firm prior to joining Kshema. He is a graduate in Agriculture and a Fellow Member of the Insurance Institute of India. He also holds a degree in law from Osmania University, Hyderabad and Master’s degree in Human Resource Management from Nagarjuna University.
Prabha Vadlamannati
Company Secretary & Chief Compliance Officer
Prabha is a skilled professional with over 20 years of experience in Corporate Secretarial, Regulatory, and Compliance roles. She joined Kshema in January 2023. Her expertise includes corporate secretarial advisory to the Board on adhering to best practices in corporate governance and legal administration. She has also played a significant role in resolving a major industrial relations issue in one of her previous roles with minimal financial & reputational impact while maintaining employee morale & commitment during a protracted arbitration process. A Fellow Member of the Institute of Company Secretaries, she also holds a Master's degree in Commerce from Andhra University. She has previously been associated with Singapore and US-based multi-nationals like Japfa Comfeed and Waterhealth.
Karambir Singh Rai
Chief Growth Officer
Karambir brings over 25 years of varied and rich experience from different parts of the globe to his current role at Kshema where he drives Sales & Distribution. He joined the company in July 2023 to bolster Kshema’s expansion, combining global best-practices and market-insights to turn revenue-generation as the engine fueling Kshema’s growth. He does this by dipping into his experience across multiple sectors like telecom, financial services, entertainment, FMCG, consumer goods from his stints in Asia, Africa and Oceania. A half-marathoner, Karambir likes to indulge in Marlon Brando memorabilia and read World War era biographies when he is not busy plotting the next growth strategy for Kshema. He has worked with Jio, Ogilvy and Digicel in the past.
Our Differentiators
- We cover an exhaustive list of crops – almost twice the number of crops covered by existing insurance products
- Farm-based approach to Insurance Vs. an area-based approach
- Bite sized Insurance products (micro) for Poultry, Livestock & Aqua Culture
- Individualized Premium based on location-aware risk evaluation
- Risk is spatially diversified
- Technology-enabled Transparency
- Seamless Data Sources
- Timely Information on Risks
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque hendrerit nisi lectus, nec rhoncus libero tincidunt ac. Duis in ante est. Phasellus tincidunt ante ac lobortis lacinia. Nunc mattis maximus semper. Etiam euismod nisl ut dolor suscipit, et iaculis neque rutrum. Nullam dui elit, aliquam vitae velit eget, varius suscipit sem. In hac habitasse platea dictumst.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque hendrerit nisi lectus, nec rhoncus libero tincidunt ac. Duis in ante est. Phasellus tincidunt ante ac lobortis lacinia. Nunc mattis maximus semper. Etiam euismod nisl ut dolor suscipit, et iaculis neque rutrum. Nullam dui elit, aliquam vitae velit eget, varius suscipit sem. In hac habitasse platea dictumst.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque hendrerit nisi lectus, nec rhoncus libero tincidunt ac. Duis in ante est. Phasellus tincidunt ante ac lobortis lacinia. Nunc mattis maximus semper. Etiam euismod nisl ut dolor suscipit, et iaculis neque rutrum. Nullam dui elit, aliquam vitae velit eget, varius suscipit sem. In hac habitasse platea dictumst.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque hendrerit nisi lectus, nec rhoncus libero tincidunt ac. Duis in ante est. Phasellus tincidunt ante ac lobortis lacinia. Nunc mattis maximus semper. Etiam euismod nisl ut dolor suscipit, et iaculis neque rutrum. Nullam dui elit, aliquam vitae velit eget, varius suscipit sem. In hac habitasse platea dictumst.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Pellentesque hendrerit nisi lectus, nec rhoncus libero tincidunt ac. Duis in ante est. Phasellus tincidunt ante ac lobortis lacinia. Nunc mattis maximus semper. Etiam euismod nisl ut dolor suscipit, et iaculis neque rutrum. Nullam dui elit, aliquam vitae velit eget, varius suscipit sem. In hac habitasse platea dictumst.
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