EXL Service is a provider of decision analytics, operations management, outsourcing, business transformation and IT services. EXLs services are structured around insurance, banking, financial services, utilities, healthcare, transportation and travel industries. The company is headquartered in New York City, but most of its services are provided through India-based delivery centers. In 2007, it was ranked 10th among Indias ITES-BPO (IT enabled services - Business process outsourcing) exporters. EXL was co-founded in April 1999 by Vikram Talwar after serving as the India country manager for Bank of America. After formation in 1999, Vikram Talwar served as chief executive officer (CEO) and vice-chairman of the company. As of 2013[update], the companys CEO and vice-chairman was Rohit Kapoor. Kapoor had previously held the position of president in the company.