---
title: "Payall Reddy - Chief Product Officer in Bengaluru | Tal"
description: "Meet Payall Reddy, Serving Notice Period - Experienced Professional in BFSI | Strategic Visionary in Project Management, Operations & Business Transformation | based in Bengaluru. AI stack includes claude and gemini."
image: "https://tal.club/meet/payall-reddy/share-image"
---

# Payall Reddy on Tal

## Headline

Serving Notice Period \- Experienced Professional in BFSI \| Strategic Visionary in Project Management, Operations & Business Transformation \|

## About

I strongly believe that progress is an illusion without innovation and dedicated effort\. My enduring commitment to continuous learning and innovation, combined with over 16 years of diverse experience in process, project, operations, training, development, and vendor management— within the insurance and banking sectors—has shaped me into a seasoned professional\. Moreover, I've authored and published a fictional novel titled "Shadi on Toes," delving into contemporary themes of marriage and dating\. My educational background in Business Management has undoubtedly granted me a competitive edge in delivering business value across a spectrum of domains, including customer experience management, process improvement, service management, product management, end\-to\-life cycle management, automations, and vendor management\. I embarked on my journey with Vidal Healthcare Pvt\. Ltd, where I am heading role of Vice President of International Business and Operations\. Over time, Over time, I utilized my experience and expertise to drive system changes, revamp business processes, and establish new departments, encompassing risk assessment, audit, and cost\-saving strategies for our clients\. I played a pivotal role in implementing automation measures to reduce turnaround times and ensure efficient process execution\. In my tenure with previous organizations, I made significant contributions by devising and implementing operational systems\. My ideas and initiatives not only streamlined processes but also facilitated the acquisition of prestigious and lucrative deals\. I earned numerous accolades and brought recognition to these organizations through my innovative thinking, knowledge, and determination\. I conceptualized and executed business initiatives that not only opened new avenues for the organizations but also efficiently managed existing processes\. My responsibilities spanned implementing business strategies, project management, and negotiations with vendors\. Additionally, I maintained strong relationships with both internal and external clients, ensuring the seamless execution of processes\. My professional journey includes stints with renowned brands such as IndiaFirst \(a company of Bank of Baroda\), the fastest\-growing life insurance company in India, Reliance Life, a top\-ranked entity in the country, and ICICI, the largest private sector bank\. These experiences provided invaluable insights into best practices, equipping me to successfully tackle future challenges\. Moreover, I gained extensive expertise in coordinating tasks and achieving various targets\.

## Location

Bengaluru

## AI stack

claude

gemini

## Work experience

Chief Product Officer at Vidal Health Insurance TPA Pvt Ltd\. \(Bajaj Finserv Group\), Mar 2026 \- Present · 9 mos, 1\. System automation using techniques such as OCR, leading data digitisation in the Indian and international markets\. 1\. Drove 58% claims automation, 47% pre\-authorisation automation and 75% PBM coverage\. 1\. Grew the Alkoot portfolio from QAR 1\.2 billion \(2024\) to QAR 1\.4 billion; Almadina reached OMR 11\.2 million GWC \(2% growth\)\. 1\. Implemented cost\-control measures to limit business losses and enhanced revenue by 2–3%\. 1\. Led pre\-sales: handling client demands and responses to RFPs, and maintaining international and Indian client relationships\. 1\. Managed the new product life cycle for international and Indian markets, including pluggable health\-business tools such as Fraud and Underwriting\. 1\. Applied design thinking to system automation for claims, providers, network login and employee processes; handled risk and audit for the international business\.

Treasurer & Trustee RIDS NGO at RIDS Charitable Trust, Jan 2017 \- Present · 9 yrs 11 mos, Bangalore

SVP \- Strategy & Product Head, International Business at Vidal Health Insurance TPA Pvt Ltd\. \(Bajaj Finserv Group\), Dec 2023 \- Mar 2026 · 2 yrs 4 mos

Vice President of Products at Vidal Health Insurance TPA Pvt Ltd\. \(Bajaj Finserv Group\), Jan 2023 \- Mar 2026 · 3 yrs 3 mos, 1\. System automation using techniques such as OCR, leading data digitisation in the Indian and international markets\. 1\. Drove 58% claims automation, 47% pre\-authorisation automation and 75% PBM coverage\. 1\. Grew the Alkoot portfolio from QAR 1\.2 billion \(2024\) to QAR 1\.4 billion; Almadina reached OMR 11\.2 million GWC \(2% growth\)\. 1\. Implemented cost\-control measures to limit business losses and enhanced revenue by 2–3%\. 1\. Led pre\-sales: handling client demands and responses to RFPs, and maintaining international and Indian client relationships\. 1\. Managed the new product life cycle for international and Indian markets, including pluggable health\-business tools such as Fraud and Underwriting\. 1\. Applied design thinking to system automation for claims, providers, network login and employee processes; handled risk and audit for the international business\.

Financial Assistant at IndiaFirst Life Insurance Company Limited, Apr 2015 \- Jan 2017 · 1 yr 10 mos, 1\. Oversaw new business issuance with 100% adherence to AML\-KYC guidelines for all onboarding clients in GTL and GCL business; managed back\-end processing under the Pradhan Mantri Jeevan Jyoti scheme\. 1\. Handled issuance volume of INR 35–40 lakh with annual premium value of INR 1,200–1,400 Cr\. 1\. Managed execution of new business worth INR 560 Cr across 35,000 lives affected by AML\-KYC non\-adherence and servicing issues \(partial surrender/withdrawals, free\-look\)\. 1\. Led projects and process re\-engineering, including: 24\. Implementation of a CRM system for customer queries, requests and complaints\. 24\. Group Credit Life \(GCL\) premium calculators for sales and bank; COI issuance over the counter at promoters’ bank\. 24\. Automated GTL and GCL business and changed workflow through a one\-pager member form\. 24\. Channelised fund/interest/unit statements, BAP reports, IRDA and NB consolidation reports; actuary/CFR/ANI/Refund MIS on bank and sales mapping\.

Head of Strategy at IndiaFirst Life Insurance Company Limited, Apr 2014 \- Apr 2015 · 1 yr 1 mo, 1\. Formulated business plans and strategy for micro insurance and SIM; accountable for integration with NPCI\.

Head at IndiaFirst Life Insurance Company Limited, Apr 2010 \- Mar 2014 · 4 yrs, 1\. Managed 3 vendors, each heading a call centre of 150 employees, plus 500 FOS, to design and implement centralised financial and new business operations\. 1\. Enabled payment collection modules \(BOB ATM, Instapay, OTC–Bank, Net Banking, EBP, AXIZ, HDFC\); implemented the predictive\-analytics “Customer Propensity Module” to improve embedded value\. 1\. Increased sourced collection by 22% in FY13\-14 and customer retention by 16% in 2014\. 1\. Raised persistency from 64% to 69% in FY13\-14; renewal collection up 18% to INR 373\.16 Cr \(30% of GWP\)\. 1\. Increased renewal collection by 238%, from INR 93 Cr to INR 315 Cr \(FY11\-12 vs FY10\-11\)\.

AVP Head Group & Financial Operations at IndiaFirst Life Insurance Company Ltd\., Jun 2009 \- Feb 2017 · 7 yrs 9 mos, Mumbai Metropolitan Region, \- Head Group & Financial Operations \(2015 \- 2017\) \- Head \- Learning and Development, MICRO Business \- Strategy, Sales Compliance, \(2014\-2015\) \- Head \- Customer Retention , Renewal Collection and Persistency \(2010\-2014\) \- Head \- Financial Operations \( 2009\-2012\) After assuming the responsibilities of heading the financial operations, I established the channels for customer retention, collection & persistency and remarkably improved performance percentage by focusing on business initiatives\. This also enabled in identifying gaps in business process, determining KPIs and provide solutions accordingly to accelerate the business\. Renewal collections grew manifold which contributed notably in gross written premium\. My innovations leds to the creation and practice of direct account transfer process for refund reversals\. Also conceptualization, formulation and implementation of critical projects \(BRD\) such as CRM , Renewal Premium collection models LifeAisa , Group Asia etc Successfully implemented ‘customer propensity module’ which is based on predictive analysis and effectively enhances top and bottom line achievements\. Conceptualized and carried out periodic reconciliation process to manage suspense account along with developing various other processes along with accomplishing a green belt Six Sigma project\. These initiatives resulted in acquiring new business which significantly contributed to revenue generation for the company and my effort has been well recognized by the management\. Have been managing and mentoring my team to facilitate them to engage & contribute in the process by understanding organization & client requirement\.

Business Project Manager at Reliance Life Insurance Company Limited, Nov 2007 \- Aug 2009 · 1 yr 10 mos, 1\. One of India's leading private sector financial services companies, with 1,000\+ branches pan India\.

## Education

Advanced Program in Strategic Management for Business Excellence, Strategic Management, Indian Institute of Management, Lucknow

LBS The Entrepreneurial Edge, London Business School

[View the original profile](https://tal.club/meet/payall-reddy)

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