Azmat Hayat

Seasoned professional with 20+ years of progressive experience in Insurance Management, Administration, HR Functions, Data & Financial Analysis and Inventory Management. Extensive expertise in managing Health, Life and General Insurance portfolios, encompassing insurance contract structuring, budgeting, cost optimization, claims administration and employee benefits management. Well-versed in core administrative and HR functions including policy implementation, workforce coordination, compliance and performance support.

Demonstrated success in delivering measurable cost savings through data-driven analysis, evaluation of large datasets and negotiation of cost-effective insurance contracts. Highly proficient in Advanced Excel and analytical tools for accurate reporting, trend analysis and strategic decision support.

Manager Insurance & Administration at DHA Lahore (2003-07 – Present)

Lead Insurance, Administration, HR support and Inventory functions, ensuring compliance, operational efficiency and effective cross-functional coordination. Manage end-to-end insurance portfolio (Health, Life, Fire/Terrorism), optimizing risk, coverage and cost efficiency.

• Lead Insurance, Administration, HR support and Inventory functions, ensuring compliance, operational efficiency and effective cross-functional coordination
• Manage end-to-end insurance portfolio (Health, Life, Fire/Terrorism), optimizing risk, coverage and cost efficiency
• Direct health insurance budgeting (~PKR 600M) using data-driven analysis to enhance benefits and financial performance
• Oversee coverage for 35,000 lives and 24,000+ annual claims, ensuring timely processing, accuracy, and minimal denials
• Administer Group Life Insurance for 7,500 employees, managing renewals, endorsements, and claims settlement
• Drive process improvements, administrative efficiency, and inventory control through data analytics and best practices
• Manage relationships with insurers, hospitals, and vendors to strengthen service delivery and achieve cost-effective outcomes
• Managed Vehicle Insurance for 1500 vehicles, including claims, premium payments, renewals and auctions
• Supervised DHA Transport Department, Petrol Pumps and Defence Clubs with responsibility for accounts, financial statements and service delivery

Master in Business Administration in Finance – Virtual University of Pakistan (2009)

Diploma in Computer Applications in MS Office Suite, Internet Application, In-page – ITM College Sargodha (1999)