Treza Insurtech A comprehensive insurance solution specifically designed for motor leasing providers and their customers. Treza offers customized solutions through advanced technology and strong relationships with insurance providersTreza also offers a B2C portal for customers through which they can request additional coverage features or change policy details. As a result, more than 22 Lessors and financial institutions have partnered with Treza since its inception in 2020.Awalmazad is the online auto auction platform that handling salvage and repossessed vehicles for insurance companies and leasing providers in KSAWarshti is developed by Rasan and designed to make car repair easier and more reliable for customers.Since its recent launch in Riyadh, Warshti has been disrupting the traditional car repair industry with its innovative app. As we continue to gain momentum, Warshti is preparing to expand its services to cover other cities across the region, offering not only car repair but also a range of comprehensive car maintenance and care services. With our focus on innovation, quality, and customer satisfaction, we are excited to lead the way in transforming the car repair industry in Saudi Arabia and beyond.As pioneers in this market, we are constantly innovating useful features to further relieve lessors of leasing insurance challenges.

Rasan, creator of "TAMEENI " KSA's No 1 Insurance aggregator, is Forbes MENA top 25 FinTech and insurtech company specializing in the Insurance and Banking Technology Sectors in the Gulf Region.The company has successfully created and empowered pioneer brand like "Tameeni Motor Insurance Aggregator"," Tameeni SME Health Insurance Aggregator" ,"Awal Mazad", "Treza Ieasing -Insurance", "Tria", "Nunjez marine" ," Warshty" and other pioneering digital solutions in the market. Tameeni is the No 1 Motor and Health Digital online aggregator as per market share and customer experience.Rasan specializes in creating and pioneering innovative insurance and banking solutions that ease how individuals and businesses carry out their day-to-day financial transactions. Established in Riyadh, Saudi Arabia, in 2015, Rasan’s vision is inspired by the company’s core traditions of helping others, improving society in general, and streamlining the path to securing one’s self, property, and other assets from unforeseen risk. Rasan operates from Dubai, Riyadh, Cairo and Ahmedabad

Joy looks after SME initiatives and other Digital Transformation projects of IHC(IHC) Insurance House Company (www.ihc.com.sa) is a leading insurance broker and also the pioneer and leader in Insurance online aggregation business ( www.tameeni.com) in Saudi Arabia, IHC proudly manages one of the largest Motor , Health insurance and General Insurance portfolios in the Kingdom.For over 15 years, IHC has been committed to providing the best possible insurance brokerage services and risk management solutions to their clients by leveraging IHCs industry establishing principles and business ethics.IHCs in-depth, thorough, and extensive analytical approach allows them to deliver progressive, personalized, and cost-effective solutions that help the clients quantify and manage risks.

Joy was Head of Retail ,Digital Operation and Digital Marketing in Alinma Tokio Marine (A Life & Non Life Composite JV Between Alinma Bank Saudi Arabia & Tokio Marine Group,Japan) . Tokio Marine is a member of the Mitsubishi UFJ Financial Group(MUFJ) keiretsu.He used to look after Digital Retail Strategy & Operation ,Project Management,Marketing,Ebusiness ,Products. Responsibility covers Business Strategy planning & execution ,Projects , Operation, Product development, Regulatory coordination, R&R, Analytics, Digital MarketingHe has succsessfully Launched Retail Business Projects including E-commerce Alinma Tokio Marine strategy is to create innovative insurance solutions through their international expertise in tune with local culture, needs and requirements. Bringing high quality and technologically superior service standards of Tokio Marine Group to Alinma Tokio Marine, combined with culturally sensitive approach of Alinma Bank, we aspire to be a truly local company with international quality and expertise, for the long-term benefit of the society and economy of the Kingdom of Saudi Arabia.

Joy was responsible for India Subcontinent Operation of Australian Institute of Management Western Australia and AVTEG’s -Udayskills ( Being 1st Australian Partner of NSDC) revenue growth & expansion and AVTEG Group's different projects , Revenue ,Operation and IT Additional responsibility :Successfully executed projects for setting 2 sister companies and NSDC SPV projects

Joy was head Alternate Business and bank Channel -SME & Non Subsidy Business- SME here Joy has successfully created robust national channel distribution network .Conceptulosed ,Managed and executed different projects on new products .The channel has given a significant contribution towards SME rating business.In addition Joy used to look after East,North East,Central & North Zone retail & DST business for ONICRA SME ratingThe Indian economy is gathering momentum and many corporates are finding it difficult to identify the right mix of business associates to work with. Onicra provides an assessment, rating and grading model that enables corporates to gain valuable insights into the sales, operational and financial architecture of their associates. The service captures, records and analyses vital data pertaining to an existing or potential business associate, including current and past performance, to minimize risk exposure while formulating a partnership.ASSOCIATES LIST- Dealer, Distributor,Franchisee,Customer,Channel Partners,Vendor,Supplier.Apart from this Onicra gives services on Consultancy,Market Intelligence,TEV,Process Audit and evaluation , Advertisers rating,Portal associate rating etc

At Indiabulls I had successfully created the distribution & Operation wing of Life and Non Insurance (Motor & Medical) ,Mutual funds products (Tele Sales, DST,Channel Sales, In company alternate channel etc.)starting from entire branch set up,staffing etc to a profitable business set up.I was a part of Indiabulls proposed JV with Societe Generale to form Indiabulls Life Insurance Company.

In this Old Mutual and Kotak bankJV I have Successfully set up the branches & created robust channel (Individual agents,Corporate Agents,MLM etc) distribution network ..The channel has given a significant contribution towards Kotak Mahindra OldMutual Life Insurance business in East II Region

Regional Head-East & NorthEast-QFC Diagnostics (Currently ThermoFisher India) a division of GlaxoSmithkline Pharmaceuticals LimitedSuccessfully executed new Diagnostic department launch project

Diagnostics product specialist-Bayer Diagnostics-Now known as Siemens Medical Solutions