Sarfraz is the Chief Insurance Officer at Pula Advisors AG, Managing the Global Insurance Operations for the organization. He is a seasoned Insurance Executive with diverse experience in Agriculture and Micro Insurance in Asia and African insurance markets. A qualified Fellow of Insurance Institute of India, MBA and Fellow of Impact Insurance Facility, Geneva. Worked with amazing organizations like, APA Insurance in Kenya, ILO’s Impact Insurance Facility Geneva and IFFCO-TOKIO GIC in India. He is very passionate about Insurance and especially serving rural households. Out of his 20 years of experience in the general insurance industry, he has been working in the micro & agriculture insurance space for the past 16 years mostly towards developing and distributing innovative risk mitigation solutions to low-income households.

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The African Insurance Organisation (AIO), established in 1972, is a non-governmental organisation recognised by many African governments.

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