Mr. Karni S Arha is the Managing Director of Bandhan Financial Holdings Limited (BFHL).
He has 20+ years of experience in starting and growing the financial services business. Mr. Arha has a
good understanding of Capital Management, Business Strategy, and Mergers & Acquisitions and has
held leadership roles within organizations of Bank of Baroda, Reliance Capital, Aviva, and Bharti Financial
Services.
He started his career in the US with Aetna Inc and Swiss Re in New York and moved to India to be
amongst the founding members of Reliance Capital, where he led the launch of the Life Insurance
business and Private Equity business. Subsequently, he became the CFO at IndiaFirst Life Insurance with
additional responsibility as Head of Operations. Post which, Mr. Arha was CFO & COO at Aviva India,
leading their business transformation initiatives. More recently, before joining BFHL, Mr. Arha was the
CFO at Bharti Axa General Insurance to drive its merger with ICICI Group.
Mr. Arha holds an MBA from Marriott School of Management in the US and is an Economics Graduate
from Delhi University.
