Topic introduction

---

Personal profile

---

Bharath is a seasoned insurance and banking professional with over two decades of experience in the Middle East and Europe. His proven track record includes successfully leading and growing profitable insurance businesses for both insurance companies and banks.

As the Head of Partnerships at Liva Insurance, Bharath is responsible for cultivating strong relationships, developing compelling partner value propositions, and driving sales across all commercial and personal lines.

Prior to his role at Liva, Bharath led proposition development at Zurich Insurance. Before that, he headed the insurance business for Central Europe at Citibank Europe.