Future Generali

Future Generali India announces key leadership appointments


Future Generali India announces key leadership appointments

    • Ruchira Bhardwaja as Chief Human Resources Officer
    • Jyoti Vaswani as Chief Investment Officer
    • Dana Yusupova as Head – Internal Audit

Future Generali India strengthens its management team with the appointment of three women executives.

Ruchira Bhardwaja, Chief Human Resources Officer at Future Generali Life Insurance is responsible for leading the people and human capital strategies. She will drive the effective implementation of human resources practices and policies for talent acquisition, performance evaluation and employee empowerment and engagement in the organisation.

Ruchira joins us from Axis Bank where she was the Head of Human Resources Business Group and Talent Acquisition, with an additional responsibility for Diversity. Before this, she led the Performance and Rewards team and was responsible for internal communications and employee engagement. Prior to Axis Bank, Ruchira has worked with the Tata Group across various companies including Rallis India, Indian Hotels and Tata CROMA.

Ruchira, is a Management Graduate from Institute of Rural Management Anand (IRMA) and holds an Advanced Diploma in HR Management from NMIMS, Mumbai.

Jyoti Vaswani,Chief Investment Officer for Future Generali Life Insurance, is responsible for driving the investment, liquidity and asset liability management (ALM) to optimise investment performance within the risk appetite of customers.

With over 20 years of experience in the capital markets, Jyoti possesses strong expertise in the areas of Investment Management, Equity Analysis, Fixed Income investments and strategy. Prior to joining Future Generali, she held the positions of Chief Investment Officer at Aviva Life Insurance Company India Ltd. and Head of Equity Fund Management at JM Capital Management, where she was awarded the ICRA Gold Award for best performance for the JM Balanced Fund.

Jyoti is a Chartered Financial Analyst (Gold medalist) from the CFA Institute and holds a Bachelor's degree in Commerce from Mumbai University. She has also completed courses on Financial Markets from the London School of Economics and Management Development programs at INSEAD, Paris.

Dana Yusupova, Head – Internal Audit for Future Generali Life Insurance, is responsible for the independent assessment of t Internal Control Systems within the Company. In addition, she leads the preparation and execution of Annual Audit Plans, assessing compliance with internal and external rules, regulations, processes and the functionality of internal control mechanisms.

Dana joins Future Generali from Česká pojišťovna a.s. (CP), a Generali Group Company in the Czech Republic, as part of the Generali International Mobility Programme.

Dana has over 14 years of experience in the Risk and Internal Audit functions. Since 2010, she has been heading the Internal Audit team at CP, where she was responsible for various internal audit activities including planning, internal controls and risk management, system adequacy and effectiveness assessment, business process analyses and optimisation. She also acted as an audit adviser to Generali Group CEE's financial asset management and real estate management companies.

Dana holds a Master's and Bachelor's degree in Finance and Financial Services from University of Finance & Administration, Czech Republic.

Commenting on the appointments, Mr. Munish Sharda, Managing Director & CEO, Future Generali Life Insurance said, "It has been our endeavour to create an enterprising work culture within our organisation and attract the best talent across India. The value that women add in the business world is undeniable and much more visible today than it has ever been. Women today have broken the glass ceiling and as leaders, they have not only been instrumental in the business performance and growth of the organisation but are also a source of strength and inspiration for others. I am confident that the expertise of Ruchira, Jyoti and Dana, will add significant value to the organisation and take it to greater heights of being not only one of the top insurers in the Indian market but also be known for our focus on customers, employees and distributors."

Future Generali India is a joint venture between Future Group, a leading retailer in India, Assicurazioni Generali S.p.A. – one of the largest global insurance providers - a leading NBFC.


The Generali Group is one of the largest global insurance providers with 2014 total premium income exceeding €70 billion. With 78,000 employees worldwide serving 72 million insured persons in more than 60 countries, the Group occupies a leadership position on West European markets and an increasingly important place on markets in Central Eastern Europe and Asia. In Asia, the Group operates in 10 markets: China, Hong Kong, India, Indonesia, Japan, Malaysia, Philippines, Singapore, Thailand and Vietnam. Generali ranked among the world's 50 smartest companies in 2015 according to the MIT Technology Review. Generali is the only insurer to be listed.


Future Group operates some of India's most popular retail chains including Central, Big Bazaar, Food Bazaar, Home Town and eZone. Apart from its allied businesses in Life and General insurance, the Group is also present in the domain of logistics infrastructure and supply chain and brand development. The group operates over 17 million square feet of retail space in over 90 cities and towns and 60 rural locations across India. The group's retail formats connect over 300 million customers to over 30,000 small, medium and large enterprises that supply products and services to its retail chains. Future Group believes in developing strong insights on Indian consumers and building businesses based on Indian ideas, as espoused in the group's core value of 'Indianness.' The group's corporate credo is, 'Rewrite rules, Retain values'.