Management Profiles


TrawellTag Cover-More’s Management Profiles

Ashok KarvatChairman

Dynamic, stoical and enterprising are some of the key traits of Mr Ashok Karvat, the founder Chairman of Karvat Group. He has over four decades of experience in the travel and health industry and has been providing strategic direction to the company.

Having come a long way from being just another insurance-related entity, Karvat Cover-More Assist Pvt. Ltd. is one of the leading groups today in travel and health ancillary industry.

With the soft aura of a gentleman around him, Mr Karvat nevertheless comes across as an organised and resourceful leader. He clearly reiterates the leadership guidelines that he wants his managers to absorb to become successful leader.

Dev KarvatCEO, Emerging Markets

He is a young and dynamic professional with 16 years of rich experience in the travel and tourism industry.

He has played a vital role in bringing to India, Asia’s largest travel insurance and medical assistance provider - Cover-More by forming a strategic partnership with them in order to create new pathways to growth.

Emerging markets in Asia remain a strong business growth opportunity for Cover-More, leveraging upon the continued development of the business in India, Dev Karvat expands his role as CEO of TrawellTag Cover-More in India to the role of CEO - Emerging Markets. His new role comprises business growth in India and other selected markets in Asia, including Malaysia.

Rodney FernandezCEO, India

Mr. Rodney Fernandez is a proven leader with over 20 years of business success in multiple roles across varied geographies in the financial services industries. His last stint of 15years was with a large General Insurance Company. He brings a great mix of leadership, inspiration, operational excellence, technical breadth, and passion for customer care.

Bhavin joshiCFO, Emerging Markets

Bhavin Joshi is one of the few gifted people who work wonders with numbers. He brings with him 19+ years of rich experience in chartered accountancy with a diverse experience in financial advisory and financial modelling. He has worked with elite companies, such as Jet Airways, PricewaterhouseCoopers (pwC) and Kotak Mahindra. Bhavin is also an enthusiastic foodie and traveller who is an avid reviewer on Zomato and Trip Advisor.


N Rangachary Advisory Committee Member

He is regarded as the ‘man who insured the future of insurance’. He joined the Advisory Board in 2014. With over 40 years of experience in the field of insurance and financial services, Mr Rangachary has held several strategic positions including the honourable post of First Chairman of the Statutory IRDA.

He has shown an exceptional ability to identify and develop talented teams, inculcate best industry practice and lead change.

Senior Leadership Team

Rajesh Dutta
Director – Strategy & Client Relationship

Mr Rajesh Dutta has over 13 years of business leadership experience. During his career, he has built a reputation for sales excellence, pioneering strategic intellectual, working with the upmost level of integrity, and a deep and passionate commitment to Karvat Group.

He manages and delivers results from the sales and business development initiatives through key strategic channels. He is full of high energy and possesses excellent interpersonal skills.

Rangamani Kala
Director - Operations, Claims and Underwriting

She is an insurance industry veteran with 3 decades of rich industry experience. She started her career in the insurance sector with the United India Insurance Company and later moved to IFFCO Tokio General Insurance Company where she served as the Vice-President and Head, Mumbai (Commercial).

Being a proficient insurance expert, She helps to expand the operational efforts for both our travel and healthcare assistance business with a great focus on back-end productivity, claims handling efficiencies and customer experience. She also looks after all aspects of the organisation's underwriting functions. With she being at the helm of the claims, operations and underwriting, our business infrastructure is certain to accelerate towards an enriched future.

Paras Kothari
Director – IT

Mr. Kothari has more than 20 years of experience in IT Service Delivery and Infrastructure Management across BFSI Sector. He is an Enterprising Leader with skills in mentoring and motivating individuals towards maximizing productivity as well as in forming cohesive team environments. Also, an effective communicator with honed relationship, leadership, planning, coordination and analytical skills.

Hitendra Shah
AVP – Finance

Mr Shah has been associated with TrawellTag Cover-More for more than 10 years now. He is the backbone of the organisation, who develops business accounts and plays a vital role in the company’s growth. He is a highly enthusiastic and energetic person with strong interpersonal skills. Armed with immense experience in finance and accounting, he manages a highly skilled team to produce excellent quality work.

An enduring personality with outstanding client relationships and problem-solving mind, Mr Shah exudes optimistic attitude and proactive nature. He also does effective and strategic planning, negotiation, leadership and innovative development of opportunities.

Deepak Gadgil
Head – Business Analytics

Mr Gadgil is an Economic graduate from University of Mumbai. He has efficacious skills in Analytics, Supply Chain, Logistics, & Finance. With his rich professional experience of 18 years in industries like Manufacturing, Retail and Banking, he brings with him a professional aura of key facilitator. So far he has worked with corporates like Cadbury India, APL India, Tata Finance Amex, Steve & Barry's (S&B) & Globus Stores Pvt. Ltd.

Mr Gadgil plays an active role in company’s budgeting, sales forecasting and implementation of standard practices and processes. His personality reflects him to be a great communicator, problem solvers, thinkers and analyser. Mr Deepak never fails to deliver effective solutions which provide tangible business benefits within short timescales.