Chief Manager- Underwriting - HDFC Life Insurance Company Ltd. - Mumbai
(2023-06)
- Lead the corporate underwriting team towards aggressive business targets, fostering accountability and aligning execution with long-term organizational goals.
- Spearhead initiatives to maximize Straight-Through Processing (STP) ratios, successfully driving higher automation and reducing time-to-value across protection portfolios.
- Work closely with Executive Business Leaders, Actuarial, Reinsurance, and Operations divisions to scale protection business and capture market opportunities.
- Review market trends and execute regular portfolio-wide technical underwriting and claims audits to mitigate risk, close process gaps, and optimize underwriting authorities.
- Lead technical negotiations with reinsurers to systematically relax or tighten underwriting guidelines based on competitive landscapes and risk trends.
- Serve as a core technical advisor to the business development team, providing critical strategic inputs to successfully launch and deliver new products.
Manager- Medical and Financial Underwriting - India First Life Insurance Company Ltd. - Mumbai
(2021-08 - 2023-05)
- Oversee risk assessment and portfolio performance for digital, web aggregator, and High Net Worth Individual (HNI) segments.
- Direct a high-performing team of twelve professionals, establishing performance cadences and metrics that sustained elite delivery standards.
- Design and execute targeted operational action plans for underperforming team members to restore productivity and safeguard organizational standard operating procedures.
- Manage underwriting decisions across complex, diverse distribution channels, including Strategic Distribution, Brokers, Agencies, and Bancassurance channels.
- Audit complex financial records (balance sheets, corporate tax returns, profit & loss statements) to securely clear medical, non-medical, and commercial risks.
Assistant Manager- Medical and Financial Underwriting - Aviva Life Insurance Co. Ltd. - Gurugram
(2019-03 - 2021-07)
- Partner directly with the Head of Department (H.O.D.) to engineer operational efficiencies and build a robust, scalable quality checking framework.
- Personally manage and approve highly complex risk portfolios, including specialized Entity business (Employee-Employer, Trusts, Keyman, HUF) and Group health policies.
- Serve as the core underwriting expert to claims and legal departments, rendering definitive retrospective underwriting decisions on high-risk, non-disclosure files.
- Direct the operational testing and underwriting product review phase prior to market launch, ensuring all terms and conditions minimized downstream risk exposure.
Team Leader Medical and Financial Underwriting - Canara HSBC OBC Life Insurance Co. Ltd. - Gurugram
(2017-03 - 2019-03)
- Mentor, develop, and coach junior medical underwriters to elevate the department's technical capabilities.
- Hold accountability for end-to-end team productivity metrics, ensuring high-accuracy processing of high-profile entity risks.
- Oversee comprehensive claims underwriting and analysis workflows to insulate the company from incorrect claim settlements.
Senior Executive Underwriting Operations - Birla Sun Life Insurance Co. Ltd. - New Delhi
(2015-01 - 2017-02)
- Collaborate with senior management to formulate localized marketing and deployment strategies, supporting data-driven expansion initiatives.
- Design optimized quality workflows alongside senior leadership to streamline operational cycle times.
Executive Operations - Bajaj Allianz Life Insurance Co. Ltd. - New Delhi
(2009-09 - 2014-12)
- Handle end-to-end branch operations, processing applications, managing client grievances, and providing pivotal support across Bancassurance and brokerage sales channels.
- Exceed assigned KPI objectives by over 100% across multiple consecutive financial years (2010–2013).
- Recognized with the Outstanding Performance Award by the HOD of Operations; additionally awarded by the State Operations Head for delivering peak operational excellence across Himachal Pradesh and Haryana regions.
