About McXtra

McXtra is a cutting edge Insuretech platform that has created the unique concept of Insurance Assistance through three services that are critical for all insurance policy holders - Emergency Services, Policy Services and Advisory Services. The app allows policy holders to consolidate all their insurance policies in a secure vault and gives valuable information and analysis of insurance cover provided by each policy. McXtra subscribers can avail these services via the Red Button, an in-app 24x7 emergency call service; live chat; email and video calls.

Leadership Team

A S Narayanan (Founder & CEO)

Engineer, Marketer, Founder


Narayanan is a thinker-do-er. A computer engineer and an MBA, he started of with HCL, TCS and Reuters before moving onto the insurance sector, first with HDFC Life and then with Bajaj Allianz. In the 14 years he has spent in insurance, has handled over 5000 crore GWP annually, has been responsible for developing the largest non-agency business in the country in FY 2012-13, created multi-channel distribution and partnered with over 300 organisations. In FY2013, he insured over 17 million lives, amounting to 40% of all lives covered by private life insurers. McXtra is the result of his in-depth knowledge and understanding of the insurance industry and it is driven by his single-minded passion to add value to the Indian insurance business by creating a customer-first service platform.

Nimish Airon (Co-Founder)

Engineer, Marketer, Business Go-getter


Nimish’s calm exterior disguises his action and operations-oriented approach that has been honed in HDFC Life, Aviva and Bajaj Allianz over twenty years with experience in all aspects of insurance. In his two decades in the insurance sector, Nimish has developed agency business by augmenting branch network, developed partnerships with over 300 corporates and has scaled up Bancassurance business across customer segments. A B.E. and M.B.A., Nimish has won several accolades for sales and distribution.
He is the engine that drives business at McXtra and is driven by his vision to make McXtra the gold standard for service and advisory in the insurance industry globally.

Rakesh Bhatia (Chairman - Global Executive Committee)

Engineer, Marketer, Mentor


Rakesh brings a rare wisdom to the many tables he sits at, and takes business acumen to the level of philosophy. An MBA from IIM Ahmedabad, he has been CEO, HSBC Indonesia, Global Head of Trade & Receivables Finance, HSBC and CEO, Catholic Syrian Bank in his 29 years as a banker.
Currently, an entrepreneur building fintech companies in India, Singapore and Indonesia, Rakesh is a key member of the leadership inspiring and guiding McXtra.

Kshitij Khandelwal (Technology Lead)

Engineer, Designer, Techie


KK, as Kshitij is fondly called, juggles expertly with technology and business. A B.E. with an ITIL V3 Foundation certification, KK has over 20 years of experience in e-commerce and project management. He has worn a number of hats, from customer service to incidence management and from technical operations to mobile and web app technology, before onboarding with McXtra to create the tech interface and experience of McXtra’s very human service platform.
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