Smt. Girija Subramanian holds a bachelor's degree in Statistics and a Diploma in Computer Management from Mumbai University. She is a Fellow member of the Insurance Institute of India and also an Associate member of the Chartered Insurance Institute, London.

Smt. Subramanian started her career as a Direct Recruit Officer in GIC Re in 1988. In a career spanning over 34 years, she has worked in reinsurance departments across various lines of business across 25 years, the most prominent ones being Aviation, Life, Health and Property classes. She was instrumental in setting up the Terrorism Insurance Pool for the Indian market as also in setting up of Life Operations at GIC Re.    As part of her operational experience, Smt. Subramanian has led the Inward desks of Property Domestic and Foreign Treaty / facultative business as well as the Retro protection team apart from Broker Relationship Management team. Apart from this, Mrs. Subramanian has led   the global claims management team as well as the IT, HR and other verticals at GIC Re.   She has travelled widely for various international reinsurance conferences during her tenure at GIC Re.

Smt. Subramanian has assumed charge as Chairman-cum-Managing Director (CMD) of Agriculture Insurance Company of India Limited in September 2022.