Cigna TTK Management Team

Sandeep Patel
CEO

Sandeep Patel, currently serves as Cigna TTK Health Insurance’s CEO and has been a part of Cigna International since 1998. With more than 15 years in the Cigna family, and now, as Cigna TTK Health Insurance’s CEO you can expect him to bring  immense knowledge and vast experience from his previous associations such as Citigroup, Coopers & Lybrand, and Bain & Company. His long time association with Cigna International assures that he will bring the same values and passion to Cigna TTK Health Insurance as well.


Sandeep Patel
CEO

Manoj Naik
Chief Finance Officer

Manoj brings to Cigna TTK over 25+ years of experience primarily in Financial Services serving GE Capital & Fullerton Securities across India, Europe and Taiwan – of this, 13+ years have been as a CFO. His diverse Treasury & Retail Finance exposure brings international best practices to Cigna TTK. Manoj will spearhead Finance & Treasury functions at Cigna TTK. Manoj is a postgraduate in Management from the Indian Institute of Management, Bangalore. He has also completed his Accredited Coach Training Program (ACTP) with International Coach Federation (ICF).


Manoj Naik
Chief Finance Officer

Jyoti Punja
Deputy CEO

Jyoti Punja is Deputy CEO at Cigna TTK Health Insurance. She’s been associated with reputed insurance companies for almost two decades and knows the nuances that come in the field. She brings with her experience and in depth knowledge of the insurance industry from her previous senior leadership positions in companies like LIC of India, Birla Sun Life Insurance and Bharti AXA. To add to her knowledge, she holds a dual Bachelor’s degrees in both Science and Law from Mumbai University.


Jyoti Punja
Deputy CEO

Reena Tyagi
Head - Human Resources

Cigna TTK Health Insurance is in the hands of a strong Human Resources leader. Reena Tyagi, the Head of Human Resources department in Cigna TTK Health Insurance has been a front-runner in the field of Human Resources since 1993. She is capable of shaping and grooming acquired talent and existing employees into future leaders due to her experience with top notch companies. Having completed her MBA from University of Indore, she has since acquired ample work experience and understanding of the field by working for high profile companies such as NIIT, Tata Teleservices Ltd, ABN AMBRO and Bharti Airtel Ltd. As Cigna TTK Health Insurance’s Head of Human Resources, you can expect only the best from her!


Reena Tyagi
Head - Human Resources

Biswabrata Chakravorty
Chief Information Officer

Biswabrata Chakravorty is the Chief Information Officer at Cigna TTK Health Insurance and has more than 16 years of experience in the banking and financial services industry, holding leadership positions in marquee organizations like ICICI Prudential, the Reliance ADAG Group, Bank of America and Barclays.  He has extensive experience in developing and handling go-to-market IT strategies as well as large complex portfolios in Banking and Insurance organizations. He also brings in his experience of managing business transformation through deployment of IT initiatives. Prior to joining Cigna TTK, Biswabrata served as the Chief Technology Officer for Reliance Life Insurance. He is a Graduate in engineering and has completed his post-graduation from the Indian Institute of Management, Kolkata.


Biswabrata Chakravorty
Chief Information Officer

Sapna Desai
Head – Marketing and Communications

Sapna Desai is Head- Marketing and Communication at Cigna TTK, India. She is responsible for developing and implementing the overall Marketing and Brand Strategy for Cigna TTK. She leads Research and Insight, Channel Marketing, Corporate Communication and Digital Marketing. She has been responsible for introducing and building the Cigna TTK brand in India

Sapna brings to Cigna TTK an experience across brand management, consumer insights, product development, advertising, integrated communications and managing marketing investments. She has worked across service industries; including financial, telecom, education and advertising.

Sapna is a commerce graduate with an MBA from NMIMS, Mumbai.


Sapna Desai
Head – Marketing and Communications

Arpita Naik
Senior Vice President & Chief Risk Officer

Arpita brings to Cigna TTK more than a decade of rich experience in handling products & underwriting including product marketing and designing solutions for target customer segments. She has lead various marketing roles including Customer Segmentation & Customer Value Management.

She has been responsible for Product Development for Retail Lines –Health, Home, Personal Accident, and Travel Insurance Policies. Over the years she has a created a niche in setting up new products for health insurance start-ups. She has also driven Lean Six Sigma projects towards process improvements and is a certified ISO Auditor.

Currently Arpita is the Chief Risk Officer at CignaTTK and manages Enterprise Risk and Governance along with Internal Audit. She also heads Strategy and drives the Business Excellence & Group Underwriting & Operations & Claims verticals for the company.

Prior to Cigna TTK Health Insurance, she has been associated with companies such as L&T General Insurance Reliance General Insurance, Royal Sundaram Alliance Insurance & Paramount Healthcare in various capacities.


Arpita Naik
Senior Vice President & Chief Risk Officer

Aniruddha Sen
Head – Internet Marketing & Distribution

Aniruddha heads the online business vertical at Cigna TTK, with an overall P&L responsibility looking after sales, marketing and pre-sales fulfilment for the channel

Aniruddha and his team have been instrumental in creating excellence in database marketing, adoption in electronic payment methods, digital marketing and advertising and more. He has, along with his team, recently launched Lifesaver programme, a unique concept in insurance aimed toward winning back customer confidence while buying insurance online.

Aniruddha has worked in Online Marketing, CRM and Loyalty programmes across Insurance and hospitality industries. Prior to Cigna, Aniruddha was working at Max Bupa India, handling CRM, Digital Platforms and Loyalty Programmes

Aniruddha holds an MBA in Marketing & Strategy from the Indian School of Business, Hyderabad


Aniruddha Sen
Head – Internet Marketing & Distribution

Sameer Bhatnagar
Head – Legal, Secretarial & Chief Compliance Officer

Sameer comes with over 16 years of in-depth knowledge in the field of Compliance & Corporate Legal management. Sameer’s expertise lies in setting up processes for establishing and strengthening compliance framework.  He also has rich experience in the areas of internal control measures in line with statutory, regulatory and Company’s group best practice requirement.

At Cigna TTK, Sameer is responsible for supporting overall compliance & legal affairs, achieving a high level of operational efficiency and ensuring adequate controls to mitigate compliance and legal risk.

He has held senior leadership roles in insurance companies like HDFC Standard Life Insurance,

Apollo Munich Health Insurance and ICICI Lombard.

Sameer’s qualification includes MBA and LLM and FIII (2011)


Sameer Bhatnagar
Head – Legal, Secretarial & Chief Compliance Officer