Putra

An AAAIK-certified professional in insurance with 3 years of experience, having end-to-end experience spanning Underwriting, Marketing, and Claims Management. Proven track record in managing business operations, analyzing risks across diverse insurance lines (Motor Vehicle, Property, Miscellaneous, Personal Accident, and Liability), and controlling loss ratios and outstanding premiums. Backed by strategic expertise in market expansion, B2B partnerships, and data-driven operational management at scale.

• Underwriting, Marketing & Claim Staff at PT Asuransi Jasa Raharja Putera | Aug 2023 – Present)

Responsible for managing business operations, with a primary focus on the Bantul, Kulon Progo, and Gunungkidul areas. Key responsibilities include:

• Financial Impact: Successfully managed retail and corporate premium portfolios in the Bantul region with total annual premiums exceeding IDR 2 Billion, while maintaining the loss ratio below 40% of the regional target.
• Underwriting & Risk Assessment: Evaluated risk acceptance, conducted field surveys, and determined appropriate premiums and coverage for Motor Vehicle, Property, Liability, Personal Accident, and Money Insurance lines in strict alignment with company guidelines and risk appetite.
• B2B Business Management: Accountable for achieving core corporate targets including policy renewals, premium collection, and maintaining optimal control over outstanding premiums.
• Claims Management: Investigated claims through strategic liaison parties to verify eligibility, ensure regulatory compliance, and optimize turnaround time for accurate processing.
• Risk Transfer: Liaised and coordinated co-insurance structures with other insurance companies to optimize risk transfer and effectively manage company cost-sharing.
• Quality Improvement, Operations & Project Specialist at PT Grab Teknologi Indonesia | Dec 2021 - Aug 2023

Responsible for managing driver-partner supply optimization, service quality enhancement, and ecosystem growth initiatives across West Java.

• Financial Impact: Conceptualized and executed a high-penetration transaction initiative within the GROVO ecosystem via GrabKios, generating IDR 1 Billion in transactions against an initial target of IDR 300 Million in March 2022 (Exceeded target by nearly 300%).
• Risk Mitigation & Quality: Designed and implemented targeted training programs (covering service quality, product knowledge, and fraud awareness), resulting in a significant reduction in driver fraud and misconduct.
• Project Management: Led a specialized regional project to boost West Java drivers' Daily Activity and Online Hours through structured webinars and competitions, while successfully improving driver satisfaction rates to 90% through robust escalation handling.
• Fraud Investigation: Conducted objective, thorough, and timely fraud investigations to maintain ecosystem integrity and compliance.
• Administration Staff Intern (Langkah Bakti) at PT Jasa Raharja (Persero) | Sept 2019 - Dec 2021
• Reduced public transportation administrative payment arrears by 80% through targeted Door-to-Door strategies and optimized Customer Relationship Management (CRM).
• Increased SWDKLLJ premium collections by collaborating with key external stakeholders (POLDA, BAPENDA, and Bank BJB) to popularize regional SAMSAT programs.
• Managed end-to-end accident claims administration, including file verification and cross-coordination with SATLANTAS and hospitals for seamless insurance reimbursement.

Bachelor's Degree in Government Science – Jenderal Achmad Yani University (2015-09 – 2019-04)

GPA; 3.49/4.00