Orchestrating AI: Augmenting the Right Talent with the Right Technology - Perspectives from UK and Europe
Harvard Business Review Analytics Services and EXL surveyed over 500 professionals across multiple industries to learn how AI is being implemented, where companies are in their adoption of AI, and what outcomes they have been able to drive.



EXL UK and European Operations
Zurich transforms its global finance and accounting operations play
Learn about Digital Intelligence
in UK and Europe


Mohit Manchanda, Head of Consulting , share his thought at Finance Monthly on DNA Of CFO Is Changing

Read an article on Increasing regulations amplify pressure on banks to revamp compliance framework by Kapil Lodha

Read an article on How talent and technology can ease the regulatory & customer pressures off utility companies.


Nigel Edwards talks about Insurance Outcome Gap in a latest article by Insurance Times.

Read an article on "Top Reasons Businesses Suffer Digital Failure" published at International Business Times written by Mohit Manchanda

Improving Receivables Management for UK Utilities


Data and insight command

How data helped a UK utilities provider improve customer insights and customer experience

Enhancing the UK financial sector’s operational resilience


The Journey to GDPR

Align your data with GDPR Compliance

Billing system implementations for UK utilities industry


Strategic Considerations for Digital Transformation of UK Retail Banks

Moving beyond the RPA pilot stage: how P&C insurers can operationalise automation

Five levels of digital disruption in insurance


UK & EUROPE Leadership

SVP Insurance and Head of UK & Europe

Nigel Edwards

SVP Insurance and Head of UK & Europe

Nigel Edwards heads EXL’s Business in UK/Europe and has responsibility for leading the insurance industry vertical.

Nigel has 22 years of experience in professional services spanning banking, insurance, retail and manufacturing ranging from operations, to process automation and analytics. He has operated at partner-level positions at PwC and Accenture and has been published extensively. Prior to this he spent eight years in the industry as the client of outsourcing contracts. He has structured and run industry-defining deals in Canada, Europe and Australia. His passion remains in building sustainable solutions that align to client business outcomes.

Kshitij Jain

Head of Analytics, UK & Europe

Kshitij Jain is Vice President and Head of UK and Europe Analytics and leads the analytics practice across UK/Europe.

Kshitij has more than 15 years of experience in professional services spanning analytics, banking and consulting. Kshitij has worked with EXL for over a decade where he has worked on a number of transformation and analytics related initiatives across banking, capital markets, insurance and retail industries. Prior to EXL, Kshitij has worked in the investment banking arm at Bank of America. He is a University of Cambridge Alum where he earned a Master’s in Business and has a Chemical Engineering degree from Indian Institute of Technology, Delhi.

Bhavna Newle Chopra

Senior Vice President

Bhavna Newle Chopra is Senior Vice President in Operations Management Department and leads several strategic initiatives. She has a sound understanding of operational parameters, such as client relationship, migrations, workforce planning & optimization and Six Sigma-based process improvement.

A certified Green Belt, Bhavna has held a variety of cross functional leadership positions at EXL, WNS and GE Capital International Services. She has a history of successfully leading large teams, delivering financial results and driving organizational efficiency by redesigning process and leveraging technology.

Rahul Arora

Head of Utilities,UK & Europe

Rahul Arora is EXL’s Client Executive for a leading utilities provider in the UK. During his 10 years in this role, he spearheaded the Customer Transformation Programme.

Rahul is responsible for growth, strategy and client management. Collectively, he has over 15 years’ experience in managing large client operations and relationships, improving operational performance and sales and marketing for multiple clients in utilities, consulting, banking, financial services and the BPM industry. Rahul graduated from Institute of Hotel Management, Bhopal.

Mohit Manchanda

Head of EXL Consulting and F&A UK & Europe

Mohit Manchanda is the Head of EXL’s Consulting Practice in UK and Europe and also leads the Finance & Accounting Business across UK, Europe and APAC.

Mohit has 18 years of experience in managing large scale transformation projects. These cover governance, risk and compliance programs across insurance, banking and capital markets and utilities. Prior to EXL, Mohit worked with KPMG and Deloitte. He is a chartered accountant and a certified internal auditor.

Fauzzia Culkin

VP Marketing UK & Europe

Fauzzia Culkin is Vice President of Marketing for UK & Europe and Australia/New Zealand. She has over 15 years experience in B2B Marketing spanning across insurance, banking and financial services, telecommunications and retail. Prior to EXL, Fauzzia has worked in a number of leadership roles both in the UK and across the EMEA region for organizations including Canon and EE Telecom. Fauzzia holds a Master of Science and Bachelors from University College, London.

Andy Watts

Head of Life & Pension UK & Europe

Andy Watts is Head of Life and Pensions for UK and Europe and has full business responsible for the L&P software business.

Andy has 30 years of experience delivering innovative solutions to the Insurance industry. Working in roles including Management Consultant, Programme Director, Account Director as well as more recently board member for a major Insurance software company.

Sunil Kumar

Senior Vice President

Sunil Kumar is the Vice President of Europe geography and leading EXL’s Europe footprint to enhance the service delivery quotient. He is located in Sofia and manages all of Europe, including Cluj & Olomouc.

Sunil holds a Post Graduate Diploma in Business Management, is a registered COPC coordinator as well as a certified six sigma professional.

Sunil has diverse experience in Sales, Consulting, Migrations Project Management, Solution Designing & large Operations Management across geographies. He has worked with organizations, such as Blue Dart, GE & Genpact & American Express prior to EXL.

Elena Sandrina Ionescu

Facilities & Infastructure Lead

Elena Sandrina Ionescu is EXL UK’s Facilities and Infrastructure Lead. In this role, Elena is responsible for managing our UK centres, operations delivery and functional capabilities.

Elena has joined EXL in 2018 and has since facilitated execution of various Digital Transformation Strategies within her function, ensured compliance within Health & Safety and Environmental initiatives, as well as supported internal and external stakeholders with regards to logistics and events management. Elena is an alumnus of University of Kent, Canterbury, UK.

Karen Hutchison

Assistant Vice President and Head of Talent Acquisition

Karen Hutchison is Assistant Vice President and Head of Talent Acquisition for UK and Europe. In this role, Karen is responsible for driving Talent Acquisition strategy and delivery through all business units in the geography and is Chair of the Women@EXL Committee for the UK Chapter.

Karen has 20 years of global professional experience across financial services, IT & professional services, where she has led large talent acquisition functions for organizations such as HCL, Wipro and Vodafone globally. Karen started her career at Barclays Wealth, where she was a Business Analyst & Project Manager in Change & Transformation for Wealth Management Operations working on various global projects.