Shubham Kulkarni is a Fellow of the Institute and Faculty of Actuaries (IFoA), UK, as well as the Institute of Actuaries of India (IAI). He has a well-rounded experience in the life insurance industry. He previously worked at HDFC Life Insurance Co. Ltd, one of India's leading private life insurers. His areas of work included IFRS 17 implementation, statutory reserving, With-Profits Committee (WPC) reporting, actuarial modelling, and group pricing. He is currently involved in various life insurance projects at Lux Actuaries.