A Khan

Senior Insurance Underwriting professional with 19+ years of experience across Motor, Property, and General Insurance in the Saudi market. Expert in risk assessment, policy evaluation, pricing guidance, and underwriting decision-making, with a proven track record of supporting profitable portfolios, strengthening compliance, and improving underwriting discipline. Experienced in working with brokers, clients, and regulatory bodies (SAMA), with strong leadership and operational capabilities.

Alongside my underwriting career, I have built 8+ years of independent experience as a professional Urdu–English translator, serving individual and business clients across the local market since 2018. I specialize in accurate, context-sensitive translation of legal, business, academic, and personal documents, with a consistent record of reliable turnaround, careful proofreading, and repeat clientele.

Freelance Translator — Urdu to English & English to Urdu at Independent Practice (2018-02 – Present)

• Provide professional Urdu-to-English and English-to-Urdu translation services to individuals, students, small businesses, and local organizations
• Translate legal, business, and personal documents — including contracts, affidavits, correspondence, certificates, and official letters — while preserving accuracy, tone, and legal/contextual meaning
• Translate academic and research material such as reports, assignments, theses, and presentations, ensuring clarity and readability for the intended audience
• Perform proofreading and editing of translated content to ensure grammatical accuracy, consistency, and cultural appropriateness
• Manage client requirements independently, including scope definition, delivery timelines, and confidentiality of sensitive documents
• Adapt tone, register, and terminology across formal, business, and conversational contexts to match client and audience needs
• Built a base of repeat local clients through reliable turnaround times, consistent quality, and clear communication throughout each engagement
• Convert and format finished translations into client-ready PDF or Word documents as per each client's specific request

Head of Motor Underwriting at Gulf General Cooperative Insurance Company (GGI) (2010-04 – 2015-12)

• Conducted advanced motor underwriting analysis and portfolio assessment, supporting improved portfolio profitability and risk selection quality
• Led risk assessment processes and reviewed complex cases, reducing underwriting errors and improving decision accuracy
• Provided policy structuring, endorsements, and pricing guidance aligned with actuarial principles, contributing to competitive yet profitable pricing
• Implemented underwriting guidelines and partnered with Internal Compliance to enforce robust controls, resulting in strong audit outcomes with minimal observations (SAMA) and strengthened audit readiness
• Managed reinsurance coordination, optimizing risk distribution and supporting loss exposure control
• Advised on claims in line with policy terms, improving claims handling consistency and reducing disputes
• Led and developed a team of 10 underwriting officers, improving productivity and workflow efficiency
• Led end-to-end hiring for the underwriting team, including candidate interviews, selection approvals, and onboarding
• Designed and delivered training programs for new hires, enhancing underwriting capability and team performance
• Conducted annual performance appraisals and development planning for team members
• Collaborated with IT to design and implement an integrated underwriting system linking Claims, Accounts, and Customer Service, enabling real-time tracking of claims status, outstanding premiums, and client feedback

Assistant Manager – Underwriting at Saudi General Insurance Company (SGI) (2002-10 – 2010-03)

• Evaluated insurance proposals and performed risk assessments
• Prepared risk reports to support underwriting decisions
• Coordinated with reinsurance teams for risk placement
• Provided policy review and pricing input
• Collaborated with claims and compliance teams

Underwriting Officer at Saudi General Insurance Company (1997-12 – 2002-09)

• Performed underwriting for Property, Fire, and General Insurance portfolios
• Conducted risk assessments, loss analysis, and premium calculations
• Reviewed policy terms, conditions, and endorsements
• Coordinated with clients and brokers to support retention and service quality

MBA in Marketing – Newport University (1997)

Bachelor of Commerce – University of Karachi (1995)