Ramgopal Aravind

Senior P&C Insurance professional with 13+ years of experience across UK property underwriting, Housing Association risks, risk assessment, underwriting operations and insurance analytics. Currently underwriting large and complex UK Housing Association portfolios, including multi-block risks with premiums exceeding £500,000 up to £10 million, with hands-on responsibility for exposure analysis, modelling, claims performance analysis and terrorism quotations. CPCU-certified with Cert CII (UK) and six actuarial examinations completed toward ACAS, combining extensive insurance experience with practical underwriting judgement and developing actuarial and quantitative capability.

Senior Underwriter – Housing Association | Pen Underwriting UK at Arthur J. Gallagher, PNE/BLR, India (2025-01 – Present)

UK Market / Pen Underwriting

• Underwrite large and complex UK Housing Association property portfolios, including multi-block risks with premiums above £500,000.
• Perform detailed exposure analysis and use modelling outputs to support risk assessment, risk selection and underwriting decisions.
• Analyse claims performance and loss experience to assess risk quality, portfolio performance and underwriting considerations.
• Prepare and assess terrorism quotations for large UK residential commercial portfolios, considering exposure characteristics and portfolio-level risk.
• Follow up assessment on accounts performance and provide underwriting terms based on exposure, claims experience, risk characteristics and commercial considerations.

Underwriting – EDI Property Product | Pen Underwriting UK at Arthur J. Gallagher, PNE/BLR, India (2021-05 – 2025-01)

UK Market / Pen Underwriting

• Provided underwriting terms for smaller UK property accounts, including residential risks such as detached houses.
• Assessed property risk information and applied UK underwriting guidelines to support quotation and terms delivery.
• Built practical UK property underwriting experience in competitive housing market & SME that supported progression into complex Housing Association underwriting under London Market MGAs

Senior Lead Specialist – Underwriting & Automation at Arthur J. Gallagher, PNE/BLR, India (2013-09 – 2021-04)

UK Market / Pen Underwriting

• Supported P&C underwriting operations for UK markets, including risk analysis, rating, billing and claims-related activities.
• Product Development & Integration: Led new product integration with carrier systems
• Technical & Platform Skills: Worked across various platforms including P&C policy administration systems (Guidewire, Applied EPIC, Vertafore AIM, Trace Isodev OpenTWINS, Stingray, ImageRight), actuarial pricing and reserving software (ResQ) and data analytics tools (SQL, VBA automation, Power BI dashboards)
• Audit, Compliance & Transitions: Directed compliance audits, internal controls and transitions across offshore delivery centers; coordinated global teams.
• Knowledge & Training Leadership: Led training and process-standardisation initiatives
• Actuarial & Risk Analytics: Developing actuarial and quantitative skills to enhance pricing accuracy, profitability and predictive modeling.
• Process Optimization & Innovation: Completed 35+ Kaizen projects, automating workflows and achieving measurable efficiency gains YB Six Sigma.
• Certifications & Credentialing: Holder of three global insurance designations, actively pursuing Associate/Fellowship credentials via the Casualty Actuarial Society (CAS) pathway.

MBA in Finance – Manipal University (2013)

BBM in Business Management (2011)

Cert CII - Certificate member of the Chartered Insurance Institute (October 2024)

Chartered Property Casualty Underwriter (CPCU) (December 2016)