Malika Gandhi is a Principal in Deloitte Consulting’s Insurance practice. She has nearly two decades of experience spanning L&A, Personal Lines P&C, and Large Commercial. She also has extensive experience across FSI, including retirement, retail banking, and capital markets. She works with clients to modernize digital experiences to get ahead of customer and agent expectations, improve trust, and increase lifetime value. She helps senior executives reimagine experiences, prioritize the right capabilities, and redesign operating models to better serve the market, with a focus on sales enablement and new business. Malika’s expertise is in creating opportunities for growth by bringing together CX, human-centered design, innovation, and digital strategy.