Specialist- Inclusive Insurance / Senior Manager/Specialist - MicroSave Consulting
(2024-06 - 2026-03)
- Lead development of strategic partnerships and advisory engagements with global donors, financial institutions, and development agencies under TNA study of Insurance Market in Ethiopia and Marketing Research to get the diagnostics of Life insurance products for CALI
- Designed impact-led program frameworks and funding proposals across health insurance, climate risk insurance, and financial inclusion
- Supported donor engagement and program structuring, including IFC-linked initiatives and multi-country insurance programs
- Developed high-quality briefs, reports, and concept notes for clients and funding partners
- Facilitated stakeholder consultations and convenings across insurers, regulators, NGOs, and development partners
- Contributed to women-centric insurance research (IFC-supported), identifying barriers such as digital literacy gaps and translating insights into product and servicing strategies
- Managed cross-functional teams and coordinated delivery across geographies
Senior Consultant- Senior Grievance Management Specialist & Capacity Building - National Health Authority
(2020-10 - 2024-05)
Ayushman Bharat Pradhan Mantri Jan Arogya Yojna (AB PM-JAY) Implementation and Policy Support
- Led national coordination on grievance redressal and accountability processes for one of India's largest public health assurance programmes, engaging with stakeholders across multiple states and institutional levels
- Reviewed grievance trends, operational bottlenecks, provider issues, and claims-related challenges to generate evidence for system improvement and decision-making
- Supported policy dialogue and multi-stakeholder engagement, including international organizations and research institutions
- Contributed to strengthening digital and administrative systems through CGRMS and CPGRAMS integration and process improvements under CGRMS 2.0
- Designed and delivered capacity-building initiatives and workshops for 200+ professionals and programme stakeholders, including State Health Agencies and implementation actors
- Organised national consultations and learning events involving state programme directors, insurers, TPAs, hospitals, and technical partners
- Coordinated with organisations such as CHAI, Centre for Global Development, and TISS to support convergence, learning, and programme improvement
- Developed briefing notes, policy documents, and stakeholder communications for senior leadership and external partners
- Worked in a high-ambiguity environment requiring sustained engagement, follow-up, and alignment across government, private, and technical stakeholders
Health Insurance Specialist - Centre for Health Policy (CHP) at Asian Development Research Institute (ADRI) - Patna
(2019-02 - 2020-07)
- Designed survey tools, monitoring frameworks, and policy research outputs to support improvement of public health insurance systems serving vulnerable populations
- Led research on demand- and supply-side barriers affecting uptake and access, generating evidence for more responsive programme design and implementation
- Produced analytical outputs and stakeholder-oriented recommendations for system improvement, with relevance for inclusion, affordability, and service delivery
Faculty (General Insurance) - Institute of Insurance and Risk Management (IIRM) - Hyderabad
(2014-07 - 2019-01)
- Designed and delivered training and instructional sessions for professional audiences on insurance, risk, and inclusive systems, strengthening practitioner understanding through applied learning approaches
- Conducted action research using qualitative and quantitative methods on barriers to insurance uptake among migrant communities in Italy
- Worked with NGOs, financial institutions, and community stakeholders to co-develop evidence-based concepts and practical delivery models
International Consultant - INTERNATIONAL LABOUR ORGANISATION (ILO) AT THE UNITED NATIONS ECONOMIC COMMISSION OF AFRICA (UNECA) - Addis Ababa, Ethiopia
(2013-09 - 2013-12)
- Conducted a benchmarking and analytical review of the microinsurance market in Ethiopia, covering products, insurers, market structure, regulatory dimensions, and weather index insurance
- Produced structured analytical inputs to inform sector understanding and potential programme direction
Internship- MBA - UNIVERSITÀ CATTOLICA DEL SACRO CUORE-ALTIS - Milan, Italy
(2012-09 - 2013-09)
- Establish Determinants of Insurance products among Indian migrants in Italy
- Action Research to collect quantitative and qualitative evidence against hedging expenses and saving risks
- Develop an Insurance Product concept with the help of various stakeholders, such as the local cooperative bank, religious institutions, and NGOs
- Business Model with a renowned Insurer to serve the product
Manager-Operations and Customer Service - Apollo Munich Health Insurance
(2010-06 - 2012-09)
- Key Research on issues: 1) Policy Document not Delivered 2) Mis-selling and Agent Services Issue
- Integrated Grievance Management System (IGMS) process mapping and solutions. Led throughout UAT and progressed with Production. Team building to meet the Compliance under IGMS
- Business model for Bancassurance model (Indusindbank) and Concierge services to High-Net-worth Clients of a Corporate Client (IBM) and Apollo Hospitals Network
- Framework for Data Quality Analysis. Recognising a set of fields to analyze Data Quality status and cleansing exercises and fixing calls and meetings with experts to improve the idea of Data Quality (if the process is outsourced), and assessing the need for the right kind of tool to meet the desired quality of data
Regional Operations Manager - MicroEnsure-India - Hyderabad
(2009-09 - 2010-05)
Written "Micro Insurance: A Risk Management Tool for the Poor"
- Supported the Operations Director in developing strategic operational plans to achieve outreach, revenue, profitability, and portfolio performance targets while assessing associated risks and opportunities
- Contributed to quarterly, half-yearly, and annual business planning, monitoring progress and updating the executive management team on performance
- Assessed geographical market strengths and gaps, recommending resource reallocation and strategies for expansion into new markets
- Collaborated with IT/MIS, technical, and regional teams to develop Operations Manuals, Product Manuals, and Product Specifications for new product launches
- Oversaw the development and implementation of Standard Operating Procedures (SOPs) to ensure operational consistency and compliance
- Represented the organization at industry and business forums and supported stakeholder engagement
- Motivated and coordinated cross-functional teams to ensure smooth operational delivery
- Implemented audit recommendations and operational improvements to enhance efficiency and performance
Researcher - Micro Insurance Academy (MIA) - New Delhi
(2007-10 - 2009-05)
- Developed concept notes, survey tools, interview guides, and focused group discussion instruments for community-based health insurance and microinsurance initiatives
- Contributed to training programmes for managers of micro health insurance units and supported the development of learning materials for field facilitators
- Supported performance-monitoring concepts for micro health insurance units, including MIS-oriented approaches for tracking scheme functioning
- Participated in team workshops and technical preparation for new insurance scheme initiatives
Marketing Executive - Healing Fields Foundation (HFF) - Hyderabad
(2006-12 - 2007-10)
- Morbidity Rate calculations in AP with Prof. Bhaskar Rao of the Institute for Insurance and Risk Management, Hyderabad
- Data Collection and error calculation (technical/manual) from partner Hospitals of Healing Fields Foundation, Hyderabad
- Rapid Action Survey for Healing Fields in Kanpur, Alwar, and Rourkela
- Collection of Socio-economic details of clients/general population in the operational area of Shramik Bharti
Research Associate - Centre for Micro Finance (CMF) at Institute for Financial Management and Research (IFMR) - Chennai
(2005-08 - 2006-12)
- Supported action research on the evaluation of health insurance and community health education interventions in rural India
- Contributed to field research design, stakeholder engagement, data collection frameworks, and analysis of programme outcomes and behavioural responses
- Worked on research related to transaction costs in microfinance institutions, documenting institutional processes
