Divya Palanisamy

Project coordination and risk management professional with experience driving workflow management, stakeholder coordination, MIS reporting, and governance initiatives within the insurance industry. Proven ability to manage cross-functional deliverables, support leadership-level initiatives, streamline reporting processes, and drive GRC workflow digitisation in fast-paced environments

Assistant Manager – Enterprise Risk Management (ERM) at Kshema General Insurance Ltd. (2025-04 – Present)

• Coordinated risk and compliance workflows across underwriting, audit, and operations teams—maintaining action trackers, SLA timelines, and escalation logs across multiple concurrent projects, ensuring no milestone slippages.
• Managed LMS-based training rollouts for 500+ staff on risk processes and governance standards; planned sessions, coordinated facilitators, tracked completion KPIs, and reported outcomes to leadership—experience directly transferable to incubation programme touchpoint delivery.
• Supported bancassurance proposals through structured data validation, stakeholder input gathering, and presentation preparation for senior management review.
• Contributed to the digitisation of the GRC suite, including KRI tracking, incident reporting, risk registers, and control monitoring workflows.
• Analysed large PMFBY and retail insurance portfolios to identify risk concentration, anomalies, and cost exposure; produced MIS dashboards and reports highlighting trends, root causes, and actionable recommendations for leadership.
• Conducted in-depth research on parametric insurance models for weather and climate-related perils—reviewing index construction, trigger thresholds, and payout mechanisms—providing evidence-based input to underwriting decisions and risk exposure assessments.
• Assessed financial impact of fraud indicators and control gaps, documenting risk implications in structured reports shared across audit, underwriting, and senior stakeholders.
• Supported underwriting and credit evaluation activities through data validation, risk assessment, and documentation review.
• Coordinated with banks, auditors, and underwriting teams to resolve data and documentation gaps; maintained risk registers, dashboards, and MIS reports with high data accuracy, enabling evidence-based decision-making.
• Reviewed and validated incoming requests, flagging discrepancies and driving resolution within defined SLAs—building a strong ability to manage competing priorities and deliver under tight timelines.

Intern – Research & Consulting (Agri-business Risk) at Scale Business Services Pvt. Ltd. (2024 – 2024)

• Led primary and secondary research on supply-chain and production risks across agricultural value chains, identifying systemic vulnerabilities relevant to climate resilience and enterprise sustainability.
• Designed survey frameworks, coordinated data collection from diverse farming stakeholders across geographies, and synthesised findings—developing field research and coordination skills applicable to pilot project management and impact measurement.
• Prepared research reports and improvement-strategy briefs for agri-value chain stakeholders; experience directly relevant to producing case studies, technical papers, and impact reports for program donors and partners.

Intern – Insurance Operations (Risk & Compliance) at Kshema General Insurance Ltd. (2024 – 2024)

• Verified policy documents—insured details, terms, and supporting evidence—ensuring accuracy in underwriting workflows and supporting compliance reviews.
• Performed secondary research on parametric insurance assessment methods for climate and weather perils, including index design, trigger structures, and payout exposure implications.
• Conducted research on parametric insurance methodologies and risk assessment frameworks.

PGDM in Agri-Business Management – National Academy of Agricultural Research Management (2025-04)

B.Sc. (Hons) in Agriculture – Kumaraguru Institute of Agriculture (2022)