Our Leaders

Chan San San is Chief Executive Officer of Prudential Singapore and was appointed in September 2024. She is responsible for the management and growth of the business in Singapore through its more than 1,200 employees and 5,400 financial representatives.

San San is a veteran banker with over 20 years of experience across consumer wealth and private banking. Prior to joining Prudential, San San was a Managing Director with Citi, where she spent 21 years. The last three years were with Citi Private Bank as Global Market Manager for the Ultra High Net Worth (Singapore, Malaysia, Thailand) and High Net Worth (APAC) markets.

Her experience also included managing Citi retail bank’s Citigold Private Client business in APAC and EMEA, Citibank Singapore’s retail bank business, as well as its Wealth and Segments division to deliver robust growth across both consumer wealth and private banking. She began her banking career as a Management Associate with Citibank Singapore in 2003. Prior to Citi, she handled mergers and acquisitions at Singtel.

San San currently serves as a Non‑Executive Director on the boards of Prudential Financial Advisers Singapore Pte Ltd. and the Singapore College of Insurance. She also holds the role of Deputy President on the Life Insurance Association Singapore Management Committee and chairs the IBF Insurance Workgroup.

She is Singaporean and holds a Bachelor of Accountancy (First Class Honours) with a Minor in Business Law from Nanyang Technological University, Singapore. She completed the Asian Financial Leaders Programme by the Human Capital Leadership Institute and Singapore Management University in 2023.

Adam Ataar is Chief Information Technology Officer (CITO) of Prudential Singapore, and Regional CITO for Singapore, Thailand, Vietnam, Cambodia, Laos and Myanmar, and was appointed in September 2025. Adam leads the Digital and Technology function, aligning business priorities with technology delivery while embedding AI, data-driven insights, and scalable digital solutions. Previously, he held the role of Group Chief Information Security Officer for Prudential, overseeing global information security and privacy functions.

Adam joined Prudential in 2018 and is a seasoned technology and cybersecurity leader with over two decades of experience driving digital transformation, security innovation and enterprise-scale technology strategy across global markets. He has successfully managed large, multi-disciplined teams, guided organisations through regulatory complexity, and built future-ready security and technology frameworks.

Before joining Prudential, Adam held senior leadership positions at Lazada Group, where he was pivotal in building Lazada’s Security Architecture and Operations functions across Southeast Asia as well as establishing Lazada’s Security Operations Centre. Adam has also held numerous lead security architecture roles at NatWest Group, Lloyds Banking Group, Visa Europe, and within the UK’s NHS Blood and Transplant service.

Adam is British and holds a Masters in Information Security from Royal Holloway, University of London.

Gaurav Bhalla is Chief Risk Officer at Prudential Singapore and was appointed in September 2024. He oversees Enterprise Risk Management, Technology Risk Management, Compliance and Risk Analytics.

Gaurav is a seasoned insurance professional with more than 20 years of experience. Prior to Prudential Singapore, Gaurav led the Prudential Group Enterprise Risk, Capital and Model Risk oversight function, and was also part of the Group Risk Leadership team. He joined Prudential plc in London in 2012 as a senior member of the Group Capital Modelling function and then transitioned into a senior management role in the Group Risk Function in 2018.

Before he joined Prudential, Gaurav was the Senior Portfolio Optimisation Manager for Flagstone Reinsurance Group and Capital Modelling Manager for ANV/Flagstone Syndicate. He led the team responsible for developing the Group dynamic financial analysis and portfolio optimisation models as well as performing regulatory capital reporting.

Gaurav is a Board Director of Prudential Financial Advisers Singapore Pte Ltd. He is British and holds a postgraduate degree in business management (MBA) from Indian School of Business. He is a Chartered Financial Analyst and Certified Financial Risk Manager.

Jackie Chew is Chief Operations Officer at Prudential Singapore and was appointed in November 2024. She is responsible for the life operations functions of the company including claims, new business and customer operations.

Prior to her appointment as Chief Operations Officer, Jackie was Chief Risk Officer overseeing Enterprise Risk Management, Technology Risk Management, and Compliance. She is a trained accountant who has more than 24 years of work experience in insurance, asset management, investment banking and private banking.

Jackie joined Prudential in 2011 and has a distinguished career in various Prudential entities. Her roles include Group-wide Internal Audit as Audit Director, Fund Management, Prudential Corporation Asia. Prior to that, Jackie was the Chief Executive Officer of Eastspring (Singapore) Investments. Her previous experience also includes roles at Merrill Lynch, ING Bank and PwC.

Jackie is a member of the Multilateral Health Insurance Committee formed by the Ministry of Health Singapore. She holds a Master of Business Administration in Finance (Merit) from the University of Leeds, UK and a Bachelor of Accountancy (Hons) from Nanyang Technological University, Singapore. A Singaporean, she is a certified public accountant and a fellow, Life Management Institute with Distinction, LOMA.

Toni Fung is Chief Customer & Marketing Officer at Prudential Singapore and was appointed in July 2025. She is a seasoned insurance marketing leader with more than 24 years of experience in the areas of customer propositions strategy, product development, customer segmentation, data analytics and strategic planning. She has a proven track record of creating compelling and differentiating customer value propositions and customer management initiatives leading to incremental financial outcome. With extensive experience spanning across local and regional markets, she has deployed successful marketing and product strategies covering both the traditional and digital distribution channels.

Toni spent the last 13 years with AIA Group where she held various leadership roles in customer propositions, product strategy and development and marketing, including Chief Customer Officer at AIA Indonesia. Toni started her career in Prudential Hong Kong before moving on to CIGNA and MetLife Hong Kong where she headed product development in both companies.

Toni is Chinese and a Chartered Financial Analyst (CFA). She holds a Bachelor of Mathematics, Honours Actuarial Science from University of Waterloo.

Ury Gan is the Chief Financial Officer (CFO) at Prudential Singapore and was appointed in July 2025. He has over two decades of experience across both the Life and General insurance sectors. He has a proven track record as a business partner formulating and driving business strategies, as well as executing complex M&A transactions, and delivering large scale finance and actuarial transformation and change projects. He has led high performing, multidisciplinary finance teams in both Europe and Asia.

Prior to joining Prudential Singapore, Ury served as CFO at Income Insurance where he oversaw the delivery of the company’s IFRS17 implementation, together with transformation across its custody services and finance operations. Before joining Income Insurance, he was the CFO, Hong Kong and Macau, and double-hatted as Regional Head of Financial Accounting and Reporting, Asia at QBE. He has also held various senior finance leadership roles covering finance business partnering, controllership, capital management and reinsurance in London and Hong Kong, having qualified in Australia.

Ury holds a number of Bachelor degrees, in addition to being a member of Chartered Accountants Australia and New Zealand.

Dr Sidharth Kachroo is the Chief Health Officer at Prudential Singapore, appointed to this role in April 2024. He leads the transformation of the company’s health insurance business, driving profitable growth through innovation, disciplined execution, and customer-centric solutions. He partners closely with stakeholders across the ecosystem to elevate distribution capabilities, unlock new growth opportunities, and shape differentiated health propositions for the future.

With over 22 years of experience spanning healthcare insurance and reinsurance, Dr Kachroo brings deep, end-to-end expertise across the health value chain. Prior to joining Prudential Singapore, he held senior leadership roles at Munich Re and Paramount Health (a Munich Re group company), where he drove strategic health initiatives across product innovation, underwriting, claims, and health technology. He has also led large-scale operations in health knowledge process outsourcing and third-party administration, delivering both operational excellence and scalable growth.

A recognised voice in the industry, Dr Kachroo is a frequent speaker at global forums and an active contributor to shaping the future of health insurance. Since August 2024, he serves as Convenor of the Health Insurance Sub-Committee at the Life Insurance Association Singapore and is an observer member of the Multilateral Health Insurance Committee, established by the Ministry of Health Singapore. In 2025, he was awarded the Fellow distinction by the Institute of Banking and Finance Singapore.

Dr Kachroo is an Indian national and a medical doctor by training. He holds a Doctor of Medicine degree from Vinnitsa Medical University, Ukraine.

Neetha Nair is Chief Human Resources Officer at Prudential Singapore and was appointed in April 2023.

Neetha is passionate about creating enriching and inspiring people practices that enable individuals and organisations to achieve their goals. Prior to her current appointment, she was Head of Future Ready Workforce at Prudential Singapore. She joined the company in February 2018 as Head, HR Centre of Excellence, and successfully led Talent Acquisition, Strategic Workforce Planning, Learning and Development, Talent Management, People Analytics, Total Rewards and Performance Management.

Neetha has over 23 years of experience as a HR practitioner and consultant across industries and geographies. She specialises in large-scale business transformation, change management, embedding new and agile ways of working, and talent management. Prior to Prudential, Neetha was a Director at PwC, Singapore and New Zealand for 10 years and led the HR transformation practice.

Neetha is a Singapore permanent resident and holds a Master’s in Business Administration (Human Resources) and Bachelors in Sociology (Honours).

Ben Tan is Chief Distribution Officer at Prudential Singapore and was appointed in December 2020. In this role, he manages agency, enterprise business and partnership distribution, driving performance, ensuring alignment of strategies across channels, and developing new partnerships to accelerate growth.

Ben has more than 29 years of experience in the insurance industry, with roles spanning sales and marketing as well as channels development and management.

Prior to joining Prudential Singapore in December 2020, Ben spent 13 years with Great Eastern Life (GE Life) where he was Head of Customer Acquisition, then Chief Distribution Officer and subsequently Managing Director. He was responsible for the development and implementation of the strategic plan and business initiatives for GE Life’s distribution channels in Singapore. He also provided governance oversight and regional support to the distribution teams in Malaysia, Indonesia and Brunei.

Earlier in his career, Ben spent 12 years with AIA where he held multiple leadership roles in the General and Life insurance businesses, including being the Regional Director of Agencies. Ben is a Board Director of Prudential Financial Advisers Singapore Pte Ltd. He was also a Member of the Multilateral Healthcare Insurance Committee formed by the Ministry of Health Singapore (2024-2025), and the Insurance Culture and Conduct Steering Committee at The Institute of Banking and Finance. He is a current Member of the Financial Planning Industry Workgroup with The Institute of Banking and Finance. In 2025, he was conferred the Institute of Banking and Finance Fellow Award.

Ben is Singaporean and holds a Bachelor of Science in Business from Indiana University, USA.

John Chow is Chief Partnership Distribution Officer at Prudential Singapore and was appointed in January 2021. In this role, he oversees our partnership distribution business, particularly the strategic partnerships with UOB and SCB.

John has more than 20 years of partnership distribution experience in both the banking and insurance industry.

Prior to joining Prudential Singapore in January 2021, John spent five years with Manulife, where he held various roles in regional partnerships, including leading performance management for the insurer’s regional DBS partnership. In his most recent role, John was based out of Kuala Lumpur as Chief Partnership Officer of Manulife Insurance Berhad (MIB) and Manulife Labuan International Limited (MILL). He was responsible for MIB’s exclusive bancassurance partnership with Alliance Bank Berhad and MILL’s omni-channel distribution strategy, including the exclusive bancassurance partnership with Standard Chartered Bank (Malaysia).

John was also with OCBC Bank for four years. In his last role as Head of Bancassurance, he developed and executed the strategies to grow the bancassurance business of OCBC and Great Eastern Life in Singapore.

John is Singaporean and holds a Master of Engineering in Aeronautical Engineering from Imperial College London as well as an Executive Diploma in board directorship from Singapore Management University – Singapore Institute of Directors. He has also completed the Asian Financial Leaders Programme by the Human Capital Leadership Institute and Singapore Management University.

Rom Lee is Chief Agency Officer at Prudential Singapore and was appointed in September 2022. In his role, he manages our 5,400-strong agency force.

Rom is a Prudential veteran who has contributed to the company’s growth in both bancassurance and agency distribution since he joined Prudential Singapore in 2003.

Under his leadership, the team has consistently attained high sales growth and increased agency productivity. He was instrumental in guiding the agency through the pandemic period, ensuring that digital technology such as remote advisory and servicing, new ways of working and safe management measures were adopted so our agency could continue to serve customers safely and effectively.

Rom joined Prudential fresh from school and has been with the company ever since. Rom is Singaporean and holds a diploma in Mass Communications from Ngee Ann Polytechnic and is a SMU-AXSI Digital Finance Leader.

Liauw Lee Jiat is Chief Actuary at Prudential Singapore and was appointed the Appointed Actuary on 22 February 2021. In this role, she provides strategic direction and leadership across the Corporate Actuarial, Actuarial Pricing and Distribution Compensation functions.

Lee Jiat has held various roles in the Finance division since joining Prudential in 2013. As the Head of Distribution Compensation & Analytics, she led her team to revamp and implement the compensation structure for the Agency force to increase productivity. During her appointment as Head, Business Finance, she oversaw Finance Business Partnerships, Finance Performance Management, Distribution Compensation & Analytics and Finance Sales Reporting.

With close to two decades of experience in the Finance and Actuarial Field, Lee Jiat was previously the Head of Capital Management & MCEV Reporting and Appointed Actuary (HK) at Aviva, and the Head of Pricing and Product Development for Bancassurance Channel at Great Eastern Life.

Lee Jiat is Singaporean. A qualified Actuary, she graduated with a Bachelor of Business (Actuarial Science) from Nanyang Technological University, Singapore.

Sherwin Siregar is Chief Strategy & Transformation Officer at Prudential Singapore, appointed in August 2024. He leads enterprise strategy, portfolio prioritisation, and transformation execution, with a focus on disciplined trade-offs, execution governance, and alignment across business and Group priorities. His responsibilities include overseeing the Stategy Office and Transformation Office, shaping cross-pillar priorities, and ensuring strategic ambition is translated into clear execution pathways and measurable outcomes.

Prior to his current role, Sherwin was Head of the Transformation Office where he accelerated key strategic initiatives and established stronger governance, prioritisation, and cross-functional ways of working. He previously served as Head of People Experience & Business Partnering, leading culture transformation and strategic HR partnerships, Head of Distribution Business Management, where he redesigned agency incentive frameworks to improve sales productivity and performance discipline.

Before joining Prudential Singapore in 2019, Sherwin held leadership roles in business development and commercial operations at Grab and Atlas Sound & Vision, building experience across technology, consumer electronics, and high-growth environments.

Sherwin is Singaporean and holds a Master of Business Administration in Strategy & Marketing from the National University of Singapore, and a Bachelor of Business Studies with Honours in Information Technology from Nanyang Technological University. He is a Fellow of the Singapore Leaders Network, Class of 2025.

Jay Thiyagarajan is Chief Legal and Government Relations Officer at Prudential Singapore and was appointed in June 2025. He has over 15 years of experience in contentious and/or non-contentious General Insurance, Life Insurance, Compliance, Risk, Corporate Governance, Data Privacy, Ethics, Competition and Employment matters gained from top tier private practice law firms and in-house companies.

Jay oversees the Legal, Ethics, Corporate Secretarial and Government Relations portfolios in Singapore. Under his leadership, Jay has successfully negotiated and managed multiple contentious and/or non-contentious corporate legal matters and worked with key government ministries and regulatory bodies in collaborating in the areas of insurance, health and sustainability.

Jay joined Prudential Singapore in July 2018 as Senior Legal Counsel and was appointed Head of Legal and Ethics in April 2019. His role was further expanded in June 2023 where he took on group responsibilities to oversee the Heads of Legal for Thailand, Vietnam, Philippines, Taiwan, Cambodia, Laos, Myanmar and Africa reporting to him.

Jay is Singaporean and holds a Bachelor of Laws from the University of Tasmania and Master of Laws from Queen Mary University of London. Jay is a member of the Singapore Academy of Law, Singapore Corporate Counsel Association and the Singapore Institute of Arbitrators.