Sandip Goenka

CEO

Bengaluru, Karnataka, India19 yrs 8 mos experience
Highly Stable

Key Highlights

  • 20+ years in insurance business value chain
  • Led ACKO Life Insurance to revolutionize D2C landscape
  • Expert in M&A and financial strategy
Stackforce AI infers this person is a leader in the Fintech and Insurance sectors with a strong focus on strategic financial management.

Contact

LinkedIn

Skills

Core Skills

Strategic AdvisoryFinancial AcumenM&a ExpertiseActuarial Science

Other Skills

Financial ReportingTaxationFinancial PlanningRisk ManagementTaxInternal AuditCash-flow managementStrategic PlanningBusiness PartneringBudgetingLeadershipActuarial ValuationProduct DevelopmentUS GAAPIFRS Reporting

About

Senior Executive with 20+ years of diverse experience across the insurance business value chain, encompassing Life, Health and General insurance, Reinsurance and Consulting. I have gained international and cross-cultural expertise through roles in the UK, Singapore, and other Asian markets. As the CEO of ACKO Life Insurance, I lead the company’s vision to revolutionize the D2C life insurance landscape. A founding member of ACKO Life, I have been instrumental in driving business growth, strategic direction, and operational excellence while fostering strong financial performance and governance standards. Core Strengths: • Strategic Advisory: Partnering with Boards to define product & growth strategies, sales management practices, reinsurance management, pricing and governance to achieve business results and enhance shareholder value. • Financial Acumen: Proficient in financial reporting, strategic planning, investor relations, forecasting, budgeting, accounting, capital management and data-driven decision making. • M&A Expertise: Skilled in due diligence, valuation, structuring agreements and post-merger integration. I have a proven track record of collaborating with diverse stakeholders, optimizing operations, driving business growth and maximizing profitability. As a collaborative leader, I inspire and manage large, multi-functional teams to achieve organizational goals in dynamic environments. Qualified as an actuary from the Institute of Actuaries of India and the UK Actuarial Institute, I specialize in health and life insurance. Let’s connect to discuss leadership, innovation in insurance, or financial strategy!

Experience

Acko

2 roles

MD & CEO

Promoted

Oct 2024 – Sep 2025 · 11 mos · Bengaluru, Karnataka, India

  • As the CEO of ACKO Life Insurance, I lead the company’s vision to revolutionize the D2C life insurance landscape. I have been instrumental in driving business growth, strategic direction, and operational excellence while fostering strong financial performance and governance standards.
Strategic AdvisoryFinancial Acumen

Chief Financial Officer

Jan 2023 – Sep 2024 · 1 yr 8 mos · Bengaluru, Karnataka, India

  • Founding Member of ACKO Life. Building D2C Insurance business. Responsible for Financial reporting, Taxation, Financial Planning and analysis, Investor management, Risk Management, Compliance, Internal Audit. Instrumental in creating first set of products and system readiness.
Financial ReportingTaxationFinancial PlanningRisk ManagementFinancial AcumenM&A Expertise

Exide life insurance

Chief Financial Officer

Jun 2021 – Jan 2023 · 1 yr 7 mos · Bangalore Urban, Karnataka, India

  • Leading the Finance & Accounts, Financial Planning & Analysis, Tax, Internal Audit, Investment Operations, Cash-flow management, Corporate Services & Procurement functions.
  • Besides core finance activities, extensively involved in the sale transaction of Exide Life to HDFC Life including regulatory & Board discussions and approvals, due diligence support, drafting of Sale Purchase agreement etc.
  • Contributed to the post-merger integration including branch rationalization, financial reporting consolidation, financial systems integration, synergy identification, employee retention, Internal audit alignment etc.
Financial PlanningTaxInternal AuditCash-flow managementFinancial AcumenM&A Expertise

Tata aia life insurance

VP & Head - Financial Planning & Analysis

Jun 2017 – May 2021 · 3 yrs 11 mos · Mumbai Area, India

  • Strategic Planning/ Business Partnering
  • Partnering with the business/ functional teams to assist in the compilation & analysis of consolidated long-range plans for maximizing profitability, revenue generation and creating shareholder value.
  • Assess the financial impact of various IT transformation project alternatives.
  • Business Growth initiatives
  • Conducting Competitive analysis, financial due diligence for mergers & acquisitions and assessing overall viability.
  • Member of several cross functional initiatives like Scrum team, Product committee, Accelerating digital business, CEO & MD club projects etc.
  • Budgeting / Financial Reporting
  • Annual Budget - Formulating annual budgets and conducting variance analysis & taking corrective actions.
  • Shareholder Reporting - Preparation of MIS reports & assisting management in data and trend-based decision making.
  • Implementing procedures & manuals for preparation & maintenance of statutory books of accounts
  • Capital Management/ Fund raise/ Investor relations
  • Leading Capital Management project – Ideation and execution of agreed initiatives.
  • Lead the expense management initiative during the pandemic.
  • Managing Investor relations for Tata AIA - Presenting Key result areas and responding to investor queries on behalf of AIA Head office.
Strategic PlanningBusiness PartneringBudgetingFinancial ReportingStrategic AdvisoryFinancial Acumen

Prudential assurance

Head - Actuarial, Prudential Global Services

Aug 2015 – May 2017 · 1 yr 9 mos · UK & Mumbai

  • Providing strong leadership to the 50+ member team including technical guidance & delivery of tasks, building capability and providing strategic direction
  • Drive business growth and Company's cross functional objectives.
  • P/L responsibility for the function
LeadershipActuarial ValuationProduct DevelopmentActuarial ScienceFinancial Acumen

Ey

2 roles

Director

Promoted

Sep 2013 – Aug 2015 · 1 yr 11 mos · Mumbai Area, India

  • Worked across areas including but not limited to Actuarial valuation, US GAAP, IGAAP and IFRS reporting, embedded value reporting, product profitability analysis, reserve reviews for Life and General Insurance Companies.
  • I also got exposed to areas like Risk appetite framework, Business Planning, Mergers & Acquisitions, Distribution strategies, Market entry exit strategies, Internal Audit etc.
Actuarial ValuationUS GAAPIFRS ReportingActuarial ScienceFinancial Acumen

Senior Manager

Sep 2011 – Sep 2013 · 2 yrs · Mumbai Area, India

General reinsurance ag

Senior Market Consultant

Sep 2007 – Aug 2011 · 3 yrs 11 mos · Singapore & Mumbai

  • Providing technical inputs to Life & Health product development initiatives and pricing
  • Developing health Insurance products like hospital cash, reimbursement plans, tiered CI, multi-pay CI and Lady Plan etc.
  • Account manager for life Insurance companies in India including existing clients & future prospects
Technical InputsProduct DevelopmentActuarial Science

Watson wyatt india

Senior Actuarial manager

Jul 2005 – Jul 2007 · 2 yrs

  • Consultant, Employee Benefits, Actuarial valuation of employee benefits. US GAAP, IFRS, IAS, Due Delligence etc.
ConsultingActuarial ValuationActuarial Science

Education

Columbia Business School

Chief Financial Officer Program

Dec 2021 – Sep 2022

Indian Institute of Management, Calcutta

Advanced Program in Strategic Management — Strategy

Jan 2017 – Jan 2017

Institue & Faculty of Actuaries, UK

FIA — Actuarial Science

Jan 2017 – Present

Institute of Actuaries of India

FIAI — Actuarial

Jan 2011 – Present

Shriram College of Commerce

B.Com(H)

Jan 2000 – Jan 2003

Birla High School

Higher Secondary — Commerce

Jan 1989 – Jan 2000

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