Poola Manivikas

Result-driven Property & Casualty (P&C;) Insurance Subject Matter Expert with 3 years of comprehensive domain experience specializing in U.S.

Small

Commercial and Personal Lines. Proven technical expertise utilizing agency management systems (EZlynx) and primary carrier portals (The Hartford, Hanover, CNA, Chubb, Travelers, GEICO, Progressive, Mercury, Kemper). Highly adept across the complete policy life cycle, including quoting, binding, endorsements, cancellations, processing Broker of Record (BOR), and premium payment handling.

Possesses strong client-facing capabilities with a track record of translating complex technical policy structures and commercial quotations into clear, actionable insights for business owners and agents to maximize operational retention.

Subject Matter Expert – U.S. P&C; Insurance at AIS Multi Global (Ramana Consulting) (2023-10 – Present)

• Serve as the functional Subject Matter Expert for U.S. Small Commercial and Personal Lines P&C; insurance products, driving accuracy in policy servicing, issuance, and underwriting workflows.
• Actively manage end-to-end processing queues using EZlynx and direct carrier portals including The Hartford, Hanover, CNA, Chubb, and Travelers.
• Execute complex transactional workflows including accurate risk quoting, binding new business, managing mid-term endorsements, executing cancellations, and processing Broker of Record (BOR) changeovers.
• Act in a high-impact, client-facing capacity to explain sophisticated policy structures, exposure data, and premium quotations directly to business owners, facilitating informed risk decisions.
• Provide advanced technical assessment for key commercial coverages: General Liability (GL), Business Owners Policy (BOP), Workers' Compensation (WC), Errors & Omissions (E&O;), Crime, and Commercial Auto.
• Interpret and analyze diverse policy forms, endorsements, exclusions, and carrier-specific underwriting guidelines to eliminate compliance risk for internal teams and U.S. agents.
• Collaborate daily with international carriers and underwriters to resolve coverage discrepancies, expedite bind orders, and manage financial transaction/payment processing queries.
• Conducted rigorous quality assurance (QA) audits to verify strict documentation adherence to carrier standards, reducing process error rates significantly.
• Authored specialized process documentation and training modules to accelerate the onboarding of junior team members on commercial insurance workflows.

Accounts Receivable (AR) Representative at IKS Health Care (2022-11 – 2023-04)

• Served as a strategic operations liaison between major U.S. insurance carriers and healthcare institutions to systematically resolve complex claim adjudication discrepancies.
• Analyzed and diagnosed root causes of insurance claim denials, validated coverage rules, and initiated corrective operational actions to minimize financial loss.
• Conducted persistent, structured follow-ups with commercial insurance payors, accelerating cash flow cycles and reducing overall aging accounts receivable metrics.
• Maintained absolute data integrity and regulatory compliance across internal documentation pipelines according to industry standards.

Master of Business Administration (MBA) in Finance – Sai Sudheer Degree and PG College, Hyderabad (2022-07 – 2024-07)

Bachelor of Commerce (B.Com) – Little Flower Degree College, Hyderabad (2019-07 – 2022-07)