Property Underwriting Facility Up to USD 1M on PML basis Construction & Engineering Facility Up to USD $30 Million Cargo Up to USD $7.5 Million per shipment with USD $15 Million maximum limit anyone location Combined General Liability Up to USD $25 Million Professional Indemnity Up to USD $7 Million Personal Accident & Sickness Up to USD $2.5 Million per person

Sai Subramanian

Chief Financial Officer

Sai Subramanian currently holds the position of Chief Financial Officer – Finance and Operations at Kay International AMEA Limited overseeing the finance, accounting, IT and HR functions for the company, as well as ensuring compliance with DFSA financial reporting requirements.

Mr. Subramanian served as Head of Strategy at Abu Dhabi National Insurance Company (ADNIC) from 2010-2015, where he was responsible for managing ADNIC’s company-wide initiatives according to the strategic plan as well as coordinating between the resources, team members, and third party consultants.

Mr. Sai Subramanian has more than 23 years of experience in Finance, Program Management, Operations, Outsourcing, Business & strategy consulting and IT functions in the Insurance Industry. His previous experience includes, the position of Head of Business Operations and IT at Al Rajhi Takaful, Saudi Arabia during 2009-2010, where he was responsible for managing all of the operations including finance, budgeting, accounting as well as the IT department. In 2007-2009, he served as Associate Vice President (AVP) at TATA Consultancy Services (TCS), India, where he was honeycomb leader for all insurance operations such as Accounts Payable, Account Receivable, Collections, Invoice processing across various global delivery centers. As Head of Insurance IT & Operations at iGATE Global, India in 2003-2007, he was the Vertical head of insurance IT and operations, which also included managing client relationships.

Sai Subramanian led the launch of a new Takaful Insurance Company in a record time of six months in Saudi Arabia. He also introduced and implemented several IT innovations in the Insurance Industry such as Pay by Phone, ATM Insurance, Mall assurance and the Tele broking Model. He was responsible for the launch of Award winning First Insurance Mobile App in the UAE. He also managed several end to end implementation of Finance and Investment systems for various insurance companies

Mr. Subramanian is a Graduate in Mathematics, an Associate in Insurance Institute of India (AIII), holds an Honors Diploma in System Management (HSM), and a Fellowship of Life Management Institute (FLMI). He also holds Diploma in Underwriting and Associate in Customer Service from LOMA, USA. He is also a Certified Six Sigma Master Black Belt and Lean Sigma and a certified strategy execution professional with specialization in Balanced Scorecard.