As Head of Direct Sales Retail & SME. Carol is responsible for defining and implementing the direct sales strategy to ensure that AXA Gulf continues to grow its business in both Retail & SME segments. Within her remit she leads over 180 employees across all direct distribution channels including AXA Gulfs Regional Call-centre, Retail Outlets and AXA’s Online marketplace in the Gulf together with dedicated SME Experts support growth in this market.

An industry professional with over 18 years of experience in the insurance sector in the Middle East and India, Shyam is responsible for Life and Medical Division. He possesses a range of expertise in underwriting, claims, reinsurance, operations, sales & distribution, and product development, by deploying an optimum mix of models to capture targeted business volumes, market shares & profit margins in intensely competitive markets..

Sreedhar has 25+ years of global experience in the BFSI domain performing key management roles across Asia, North America, UK, EU & Middle East specializing in all domains of insurance like Life & Pensions, Consumer, Commercial, Health and Investment sectors. He has a proven track record of leading multiple large transformations for global insurers in UK & EU from vision through execution. Currently he is the CIO at Oman Insurance, UAE’s largest composite insurer. He is responsible for defining future ready IT strategy and enhancing customer experience by implementing Digital First mandate across all the business lines, by leveraging Distributed Agile principles, Intelligent Automation, Blockchain, Artificial Intelligence, Cloud & Big Data technologies.