Vikram has over 25 years of experience in business operations, digital transformation and business growth and a proven track record of having delivered lasting results as a management consultant in the financial services industry, as a business leader in insurance and as an entrepreneur in tech start-ups. Most recently as COO and head of technology for a large insurer, he helped build an end-to-end sales to service insurance platform. As a transformation leader Vikram has helped create lasting impact in many Insurance organisations in the areas of faster and digitised operations, digital tools for increasing sales effectiveness, better products and customer acquisition and retention. Vikram is an insurance sector partner at Deloitte leading their insurance operations practice helping clients in Southeast Asia transform their business operations for greater efficiencies and market growth.