Senior Manager Underwriting - Reinsurance Group of America (RGA Global)
(2022-04 - 2024-12)
- Handled underwriting advisory limits up to USD 2M for life, CI, TPD, ADB, and maternity products across Southeast Asia and Hong Kong markets.
- Trained in Term insurance products in the U.S. market.
- Actively contributed to underwriting guideline interpretation and regional alignment, ensuring consistency with local regulations and reinsurer risk appetite.
- Provided underwriting input for product structures, policy wording interpretation, and complex case decisions.
- Collaborated with cross-functional teams to improve turnaround times and decision quality.
- Established strong relationships with stakeholders, supporting long-term partnerships.
Senior Medical Officer - Medi Assist India Pvt Ltd
(2021-01 - 2022-03)
- Managed high-impact client escalations, performing root cause analysis on claims and underwriting issues.
- Identified, system and process gaps including API data flow discrepancies, CMS issues and user errors, and proposed corrective actions.
- Worked closely with IT teams on policy configuration for new products, contributing underwriting logic and business rules.
- Designed and executed UAT test cases to validate underwriting and claims workflow.
- Supported claims underwriting decisions, ensuring policy compliance and risk control.
Underwriting Analyst - Swiss Re India Pvt Ltd.
(2015-08 - 2018-08)
- Managed an advisory limit of USD 1.5M for death benefits, and USD 250,000 for TPD and CI benefits across India and Sri Lanka markets.
- Underwritten disability income product for the ANZ region.
- Conduct global due diligence, including PEP checks, sanction screening, and compliance reviews in line with international financial regulations.
- Supported senior underwriters in refining underwriting guidelines, risk classification, and decision frameworks.
Medical Officer - Medi Assist India Pvt. Ltd.
(2014-06 - 2015-07)
- Adjudication of health insurance claims for reimbursement, preauthorisation and cashless claims in compliance with IRDAI guidelines for health insurance.
Dental Surgeon and Treatment Coordinator - JJ Dental Clinic Pvt Ltd.
(2011-11 - 2013-11)
- General dentistry practice, pain management.
- Actively led community dental health camps and presented symposiums at Indian Dental Association (IDA) conferences.
