SANDEEP PANDEY
FWD GROUP
SANDEEP PANDEY
GROUP CHIEF TECHNOLOGY AND OPERATIONS OFFICER
Sandeep is the Group Chief Technology and Operations Officer and the member of Group Executive Committee for FWD Group. He has more than 20 years of experience across FMCG and insurance at global level in strategising and transforming areas of information technology, digital initiatives and customer experience. He supports FWD Group’ s clients and business partners in all 10 markets, overseeing all aspects of customer, operations, enterprise IT, including strategy, architecture, cloud, security and applications. Prior to joining FWD Group, Sandeep served Global leadership roles at BUPA and AIA. He was awarded Amazon Digital Innovation Hero Award in 2024, HotTopics’ top 100 Global CIO 2023, and IDC CIO of the year award in 2021.
layers, process layers, system integration layers, data layers and infrastructure layers – creating an enterprise architecture that no one else is doing.”
Customer-centricity drives innovation Throughout all these technological efforts, FWD maintains a relentless focus on the customer experience. This focus is encapsulated in the company’ s vision of“ changing the way people feel about insurance.”
The company is constantly listening to customer feedback and enhancing its offerings accordingly.
“ It’ s all about creating a differentiated experience,” Sandeep says.“ How do we simplify processes for our customers while providing the support they need when they need it?”
This customer-centricity extends to FWD’ s agents as well. At a recent leadership conference in Seoul, agency leaders emphasised the importance of empathy in their work, rather than focusing solely on sales metrics.
110 September 2025