Syed Sibte Muhammad

Actuarial Analyst with 2+ years' experience building GLM pricing models, XoL aggregate loss models, and Random Forest risk-segmentation models for Motor and Medical insurance portfolios. Combines actuarial rigor (Addactis, @RISK, Chain Ladder/BF reserving) with applied machine learning (Python, scikit-learn) and BI automation (Power BI, DAX, Qlik Sense) to turn pricing and claims data into measurable business impact. Now targeting Pricing Data Scientist / Quantitative Risk Analyst roles in insurance, reinsurance, or fintech credit risk.

Junior Actuarial Analyst - Badri Management Consultancy - Karachi

(2023-06 - 2025-07)

• GLM Pricing: Built and calibrated GLM pricing models for Motor and Medical portfolios in Addactis, informing premium rate adequacy reviews across the book.
• Reinsurance Modelling: Modelled XoL aggregate losses in @RISK using frequency-severity methodology, selecting best-fit distributions via AIC/BIC/Chi-Square to price reinsurance treaties.
• ML Pricing: Applied Random Forest in Python to pricing datasets for predictive risk segmentation, supporting premium optimisation decisions.
• Reserving: Performed independent loss reserving using Mack Method, Chain Ladder, and Bornhuetter-Ferguson (BF) to estimate outstanding claims liabilities.
• IFRS 17 Reporting: Calculated Loss Component via Combined Ratio analysis and validated LIC/LRC cash flow models under the IFRS 17 framework.
• Automation: Automated reporting dashboards in Qlik Sense and Power BI, replacing manual Excel workflows and reducing turnaround time.
• Portfolio Analysis: Analysed Motor and Medical claims experience, loss ratios, and exposure trends for management reporting.

Junior Actuarial Analyst - The iBOS - Karachi

(2023-02 - 2023-05)

• IFRS 17: Contributed to IFRS 17 model development, including liability measurement, CSM calculations, and contract boundary definitions.
• Valuations: Supported EOSB actuarial valuations, assumption setting, and documentation under senior actuary review.

Actuarial Intern - The iBOS - Karachi

(2022-11 - 2023-02)

• IFRS 17: Supported IFRS 17 implementation team on expense study calculations and model development.

BS - Actuarial Science - University of Karachi (2019 - 2022)