Subhendu Kumar Bal is the President and Chief Risk Officer at SBI Life Insurance, as well as a former President of the Institute of Actuaries of India. With over three decades of actuarial and enterprise risk management experience across major life insurance institutions, he oversees risk frameworks, capital modelling, governance, and regulatory compliance. His writing draws on his deep actuarial background and executive experience to analyse risk management architecture, life insurance solvency, regulatory policy, and capital optimisation in India’s evolving financial sector.
