Harsha Bg

Results-driven Insurance Analyst with experience supporting U.S. Property & Casualty underwriting across Automobile, Property, Inland Marine, Crime, General Liability, Excess, and Workers' Compensation lines. Strong expertise in target pricing, renewal rating validation, premium variance analysis, WC audit processing, and exposure-based risk evaluation.

Adept at interpreting loss runs, ISO reports, and CAT/wind modeling outputs to support profitable underwriting decisions. Recognized for accuracy, regulatory compliance, and consistent delivery within SLA timelines.

Analyst at Resource Pro Operational Solutions Pvt Ltd (2023-08 – Present)

Analyst supporting U.S. Property & Casualty underwriting across multiple insurance lines

• Analyze new business and renewal submissions for U.S. commercial P&C portfolios, supporting underwriting decisions across multi-line accounts
• Perform target pricing and rate adequacy validation using structured pricing workbooks and exposure review techniques
• Conduct premium variance and net rate change analysis to ensure alignment with underwriting profitability goals
• Review loss runs, ISO reports, and catastrophe (wind) model outputs to assess claim trends and risk exposure impact
• Execute renewal rating for Automobile, Property, Inland Marine, Crime, General Liability, Excess, and WC lines in compliance with carrier guidelines
• Manage WC audit processing, regulatory reporting, endorsements, binders, and policy issuance documentation
• Maintain accurate Salesforce records and collaborate with brokers and onshore underwriting teams for seamless policy lifecycle management

Research Analyst at Finquest India Pvt Ltd (2022-01 – 2023-06)

Research Analyst conducting financial and organizational research with support to global stakeholders

• Conducted detailed financial and organizational research using internal databases and external intelligence platforms
• Supported global stakeholders (Singapore, Canada, London) with structured analytical reporting and insights
• Managed workflow allocation and performed quality audits to ensure high production accuracy and data reliability
• Contributed to client discussions by delivering actionable research insights for strategic decision-making

Bachelor of Commerce in Commerce – Bangalore City University (2018 – 2021)