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Andrew Coutts is an accomplished executive in the insurance industry with extensive experience at Santam Insurance since August 2009, currently serving as Executive Head Intermediated Business. Coutts has played a vital role in the profitable growth of Santam's commercial and personal insurance through brokers and agents, managing substantial teams and overseeing call centers across multiple South African cities. Prior to joining Santam, Coutts held significant positions at FNB South Africa, where responsibilities included managing the commercial short-term insurance segment and finance divisions. Additional professional experience includes roles at J.P. Morgan and EY, complemented by a strong educational background with various qualifications in accounting and business strategy from prestigious institutions.