Uttam Agarwal

About Uttam Agarwal

Finance and strategy leader with 20+ years of experience across Insurance, Assistance, and Financial Services, specializing in transforming finance functions into strategic business enablers. Deep expertise across FP & A, financial controllership, regulatory reporting, governance, IFRS 17, business partnering, and finance transformation.Currently serving as Head of Finance at Europ Assistance (Generali Group), leading the complete finance portfolio including financial control, planning & analysis, taxation, treasury, shareholder reporting, and governance. Partner closely with the CEO and Regional CFO to strengthen financial discipline, improve performance visibility, and enable profitable growth across India and Middle East operations. Also lead finance for InsureandGo, the group’s insurance broking arm.Track record of driving tangible outcomes including:• Strengthening internal controls and improving close discipline• Optimizing treasury and working capital management• Embedding cost governance through structured investment evaluations• Driving profitability through commercial reviews with underwriting and business teams• Designing LOB-level profitability and allocation frameworks• Managing complex tax and transfer pricing matters with minimal litigation exposure• Building high-performing finance teams with strong ownership culturePreviously led partnership channel FP & A and strategy at Bharti AXA Life, owning channel P&L, forecasting, performance management, and strategic alignment with CEO and CFO. Led the IFRS 17 implementation, driving cross-functional alignment across actuarial, technology, and consultants on accounting policy, transition impact, and governance.Brings strong depth in insurance financials and regulatory metrics including VNB, solvency, embedded value, overrun analysis, capital management, and profitability drivers across Life, General, and Health Insurance. Recognized for converting regulatory complexity into strategic insight and actionable decision support.Known for strong stakeholder management, executive communication, analytical rigor, and collaborative leadership style, with a consistent focus on automation, governance maturity, and building scalable finance capability.

Experience

1. Head of Finance

   Europ Assistance India

   Feb 2025 — Present · Mumbai, IN

   Lead the end-to-end finance function covering Financial Control, FP & A, Tax, Treasury, Reporting, and Governance• Partner with CEO and Regional CFO to drive financial performance across India and Middle East operations• Head finance for InsureandGo, the group’s licensed insurance broking entity• Strengthened internal controls and financial close discipline• Reviewed treasury processes to improve returns and working capital outcomes• Embedded cost governance through structured CBA for investment decisions• Drive regular client-level P&L reviews with commercial and underwriting teams• Designed LOB-wise expense allocation and profitability frameworks• Managed transfer pricing matters with tax authorities, achieving zero penalties• Lead and develop finance organization with focus on meritocracy, transparency, and capability building

Education

• Institute of Chartered Accountants of India

  CA, A/cs, Tax etc.

  2002 — 2005

• Rajkamal Saraswati Vidya Mandir, CBSE, Dhanbad

  Senior Secondary, Physics

  1999 — 2001

• Vinoba Bhave University

  B. Com (H), Accounts, Costing, MAFA

  2002 — 2005

Skills

• Customer Service
• Training
• New Business Development
• Auditing
• Market Research
• Internal Controls
• Team Management
• Six Sigma
• Recruiting
• Valuation
• Microsoft Excel
• Marketing Strategy
• Project Planning
• Financial Analysis
• Human Resources
• Business Development
• Account Reconciliation
• Team Leadership
• Business Analysis
• Leadership
• Sales Management
• Program Management
• Mis
• Investments
• Analysis
• Corporate Finance
• Negotiation
• Financial Accounting
• Process Improvement
• Competitive Analysis
• Credit
• Financial Modeling
• Relationship Management
• Variance Analysis
• Project Management
• Team Building
• Management
• Sales
• Business Strategy
• Executive Management