Dr Parveen Kumar
Inventing the Future of Insurance I AI-Native Insurance Solution Architect Life, Health, P&C | Built 4 InsurTech Platforms 0→1 | 500K+ Decision Rules | Underwriting & Claims Intelligence | Product & AI Leader I 16+Years
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About
Clinically trained physician turned enterprise AI architect — one of fewer than a handful of practitioners globally who combine a medical doctorate, Six Sigma Black Belt (ASQ), and full-stack insurtech platform engineering. Sixteen years.
Four AI platforms built from zero to production. Cross-functional teams of up to 60 across Technology, Product, AI, and
Digital Transformation.
Operates at the intersection of capital efficiency and AI-driven scale: optimised technology budget allocation across four product lines at Reliance Health Insurance — reducing loss ratio by 5% while achieving 90% underwriting automation with zero headcount inflation. At Onsurity, compressed group-quote turnaround from 3 days to 30 seconds, delivering a
10% revenue uplift on the same capital base. USD 1.2M+ in documented career-lifetime operational savings across 16
years.
Experience
Senior Director – AI & Digital Transformation Nov 2025 – Present
Onsurity Technology Pvt. Ltd. | Bengaluru, India
India's largest SME employee-benefits insurtech (10,000+ employers). Technology budget ownership: USD 1.8M+. Led 60-person cross-functional team.
- Autonomous risk decisioning at group insurance scale: Architected industrial-grade multi-agent Agentic AI system across health, life, and P&C lines — compressing group-quote turnaround from 3 days to 30 seconds and delivering a 10% revenue uplift on the same capital base through conversion-speed improvement.
- Claims auto-adjudication — leakage eliminated: Built health claims system delivering review in 5 minutes versus 40 minutes manually (8× improvement) with zero missed mandatory documents. Deployed with IRDAIcompliant
AI governance: Evidently AI PSI-based drift monitoring (tiered at PSI 0.10 alert / 0.15 risk escalation /
0.25 retraining) and multivariate drift monitoring on active roadmap.
- Clinical fraud intelligence layer: Embedded 40+ medical pattern triggers — including step-ladder fever signature for typhoid — into the claims AI pipeline; clinical rules that no purely statistical model can derive without medical domain knowledge.
- Operational capacity scaled without headcount inflation: LLM pipeline (GPT-4o, Gemini, Claude) reduced member processing from 40 minutes to 5 minutes (87.5%) enabling 50% headcount optimisation in onboarding.
Emergency AI Helpline resolved 70% of queries without human intervention at 4× speed.
- Enterprise workflow transformation: Orchestrated Zoho + jBPM BPMN 2.0 automation embedding AI decisioning into legacy systems with zero disruption to BAU operations.
Education
Executive Programme – Strategy, Finance, Operations & Analytics
Indian Institute of Management (IIM) Ahmedabad
2022–2023
PG Certificate – AI, Machine Learning, AR/VR & Generative AI
Massachusetts Institute of Technology (MIT), USA
2022–2023
PG Certificate – Product Innovation & Design Thinking
Indian Institute of Technology (IIT) Delhi
2023–2024
Bachelor of Ayurvedic Medicine & Surgery (BAMS)
Rajiv Gandhi University of Health Sciences, Bengaluru
Batch Topper — graduated first in cohort
2004–2010
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