Global Expertise. Local Impact. Human-First.

At Universal Pensions, we bring together a diverse team of global pension experts, technologists, policy advisors, and financial inclusion specialists - united by a shared mission: making retirement security universal and inclusive. Our leadership team has several decades of collective hands-on experience in designing and delivering digital pension systems across Asia, Africa, and Latin America. What sets us apart is our ability to bridge worlds - combining deep policy insight with practical technology, and global innovation with local context. We’re thinkers, builders, and changemakers - driven by the belief that no one should grow old in poverty simply because they worked informally.

Global Team

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Parul Seth Khanna

Co-Founder

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Gautam Bhardwaj

Co-Founder

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Kulin Patel

Senior Consultant, Europe

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Ayandev Saha

Global Advisor: Micro-insurance

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aAlok Khemka

CPO

Investors

Mr. Jeremy Coller
F Capital

F Capital has invested on behalf of Mr. Jeremy Coller, Chief Investment Officer and Managing Partner of Coller Capital.

All profits from Mr. Coller's investment into Universal Pensions will be donated to Charity.

ADB Ventures

ADB Ventures pairs capital with the Asian Development Bank's (ADB's) deep insights and networks to help startups scale up while driving climate and gender equality impact in Asia and the Pacific.

100Unicorns

100Unicorns is an accelerator program backed by successful founders and leading CXOs for early stage startups.

Venture Catalysts

Venture Catalysts helps build successful companies by offering passionate entrepreneurs the right combination of capital, knowledge and networks.

Board

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Dr. Joseph Mariathasan

Independent Director

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George Howard

Investor, Nominee Director

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Parul Seth Khanna

Executive Director

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Gautam Bhardwaj

Executive Director

Global Advisory Board

We’re proud to be guided by an incredible group of advisors - visionary leaders from across the pensions, financial inclusion, digital and development ecosystems. With deep expertise in policymaking, digital public infrastructure, social finance, and inclusive innovation, they guide our mission to make universal pension access a reality. Together, we’re working to make long-term financial security possible for every informal worker, everywhere.

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Shameran Abed

Senior Director BRAC and Chairman, bKash

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Aman Narain

Global Head of Platforms HSBC

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Dr. Amlan Roy

Former Senior Managing Director, State Street Asset Management Division, SSGA

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Carlos Ramírez Fuentes

Former Chairman, CONSAR and past President, IOPS

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Craig Churchill

Chief, Social Finance Programme at ILO Geneva

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Diana Margarita Mejia

Senior Specialist Financial Inclusion, CAF

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Mary Ellen Iskenderian

President and CEO Women’s World Banking

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Dr. Olga Fuentes Contreras

Deputy Executive Director, The World Bank. Former Head of Strategic Research at the Chilean Pension Regulator, and Vice President of IOPS

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Sanjay Jain

Co-architect, India Stack and Chief Innovation Officer at CIIE.co

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Sanjeev Kumar

Senior Country Manager Singapore and Head of South East and South Asia CIB, Natixis

© 2025 , Universal Pensions. Building secure and dignified futures for all informal workers worldwide.