India
A strategic and results-driven senior leadership professional with over 20 years of extensive experience shaping business outcomes across the Insurance (P&C, Reinsurance, Health) and US Healthcare sectors. As a trusted advisor to C-suite stakeholders, I have a proven track record of leading large-scale digital transformations, spearheading complex transitions, implementing core systems, designing innovative products, and optimizing end-to-end business operations and client delivery for global teams. My expertise lies in combining deep domain knowledge in insurance underwriting, claims, and catastrophe modeling with advanced analytics (AI/RPA) to mitigate risk, drive operational excellence, and enhance profitability. Adept at managing high-value portfolios, leading cross-functional initiatives, and fostering a culture of continuous learning to deliver measurable business outcomes in dynamic, fast-paced global environments (US, UK, EMEA, APAC)
Strategic Leader – Digital Transformation, Risk & Parametric Insurance | Finsuratech At Finsuratech, I lead digital transformation and risk innovation initiatives for insurers, reinsurers, and financial institutions across the Middle East, India, and the Asia Pacific region. I design and deliver technology driven solutions that enhance claims, underwriting, compliance, sustainability, and climate/CAT risk management—driving measurable ROI, operational resilience, and competitive advantage. Core Expertise: • Digital Transformation & Intelligent Automation (AI, RPA, IDP) • Climate & CAT Risk Modeling | Reinsurance Strategy • ESG Integration & Sustainable Finance • IFRS 17/9 Implementation | Financial Compliance • Enterprise Risk Management (ERM) & Governance • Regulatory Compliance & Tech Integration for Parametric Insurance • Parametric Solutions for Microfinance & Disaster Risk Financing • Collaboration with Global MGAs, Insurtechs & Reinsurers Key Achievements: 1. Motor Claims Transformation: Designed an AI powered claims ecosystem integrating IDP, automated damage assessment, and GenAI reporting. Delivered Straight Through Processing, reduced FTE needs by 60–68%, cut processing time from days to minutes, and lowered cost per claim by 30–40%. 2. CAT Risk & Reinsurance Advisory: Guided proportional and non proportional treaty structuring (XoL, QS), improving capital efficiency and strengthening protection against catastrophic loss events. 3. AI & Tech Partnerships: Deployed privacy first AI tools (e.g., TimbleGlance AI) for KYC/KYB, fraud scoring, and multilingual support—reducing onboarding time from hours to minutes and cutting operational costs by up to 60%. I am passionate about transforming legacy operations into agile, data driven enterprises and expanding the adoption of parametric insurance across emerging markets. I bridge technical complexity with actionable strategy to deliver impact across cost, efficiency, compliance, and customer experience.
Led the Catastrophe Risk Modeling function, overseeing a global team of 30-35 analysts across India and Malaysia. Spearheaded the strategic migration of client reporting systems from Qlik to Power BI, significantly enhancing data visualization, user adoption, and predictive insights. Executed a Lean Six Sigma Green Belt project that automated manual reconciliation processes, resulting in a 40% reduction in processing time. Collaborated proof-of-concept AI solution to automate the extraction and summarization of medical records, improving claims processing efficiency. Designed and delivered the "CAT Build Program," a global, enterprise-wide initiative to upskill over 50 professionals in advanced catastrophe modeling and exposure management techniques. Consulting - Operational Excellence (Exposure Management): Analyzed processes, defined roadmaps for continuous service improvements, cost reduction, and automation. Established process metrics and controls.
Led the Catastrophe Risk Modeling function, overseeing portfolio risk modeling, enterprise risk management (ERM) reporting, inward reinsurance analysis, and account-level modeling across multiple lines of business (LOBs). Delivered expertise in catastrophe modeling, exposure management, and risk analytics to support underwriting, pricing, and capital adequacy strategies
Core Area: 1. Preparing Business Requirements Specification and detailed process-flow diagrams 2. Requirement gathering; Preparing Requirement Matrix, Requirement Traceability Matrix and Clarification document 3. Designing Use cases, clearly understanding Non Functional Requirements and documenting them. 4. Understanding the customer business and their expectation form MindTree 5. Involved in quality checks and testing Projects: Project Name: FNOL application documentation Industry: P&C Insurance Service Area: FNOL application documentation System: Claims Intake and claim management system Role: Business Analyst Project: Detailed functional and technical documentation of the Claims Intake & claims management application. Responsibilities: o Detailed functional documentation along with the technical team for the client to help business and technology users of to facilitate designing and re-write of the application Project Name: Web content management Industry: P&C Insurance Service Area: Web capability System: Web content management Role: Business Analyst Project: Develop a solution with ability to create, manage and publish web content. Develop easy to use content templates for managing content and capability for on-going content needs to be independently managed by marketing team. Responsibilities: o Requirement gathering; Preparing Requirement Matrix, Requirement Traceability Matrix and Clarification document o Preparing Use cases, understanding Non Functional Requirements and documenting them. o Review of technical design to ensure functional scope was being met o Conceptualization of solution through prototyping
Industry: P&C Insurance Service Area: Catastrophe Modeling System: Clasic/2 Role: Sr. Data Analyst Project: Data services group Core Area: 1. Analyze results - Understand exposures in the Client Portfolio, calculation of Pure-premium & identification of loss causing locations, analyze the Return Period Losses, generate EP Curves for desired Financial Perspectives and prepare Results Summary with recommendations for the client’s portfolio 2. Provide real-time loss estimates of actual catastrophic events Other Responsibilities: 1. Provide support and mentoring to associates 2. Interact with overseas team 3. Develop & implement an effective system for project updates 4. Prepare presentations and other training documents 5. Develop and perform various Quality assurance checks 6. Manage large data sets (above 50,000 locations) and complex portfolios Achievements: • Established data preparation methodology and auditing at AIR • Design and implementation of the process flow for Binder contracts
Industry: P&C Insurance Service Area: Catastrophe Modeling System: Clasic/2 Role: Sr. Data Analyst Project: Data services group Core Area: 1. Analyze results - Understand exposures in the Client Portfolio, calculation of Pure-premium & identification of loss causing locations, analyze the Return Period Losses, generate EP Curves for desired Financial Perspectives and prepare Results Summary with recommendations for the client’s portfolio 2. Provide real-time loss estimates of actual catastrophic events Other Responsibilities: 1. Provide support and mentoring to associates 2. Interact with overseas team 3. Develop & implement an effective system for project updates 4. Prepare presentations and other training documents 5. Develop and perform various Quality assurance checks 6. Manage large data sets (above 50,000 locations) and complex portfolios Achievements: • Established data preparation methodology and auditing at AIR • Design and implementation of the process flow for Binder contracts
Industry: P&C Insurance Service Area: Catastrophe Modeling System: Risk Link Role: Trainer Project: Data solutions Core Area: Develop and manage training aids and materials, curriculum and on-going training needs evaluation for the Business Unit (70 associates). Design, implement and track performance of process along with hands-on training and conduct ongoing Training Needs Identification (TNI) for the BU. Monitor and maintain on-going personnel development in knowledge of current practices, performance management, process improvement, program design, program management and training delivery. Other Responsibilities: 1. Ensure timely download of updates to all associates in production 2. Prepare/ conduct quarterly knowledge assessment 3. Identify the knowledge grooming areas and conduct sessions for the same 4. Coordinate and handle internal and external client needs 5. Resolve queries of production team 6. Identify the project automation needs and ensure the same Achievements: • Special appreciation from the client on developing and documenting the methodology of interpreting & coding of occupancy • Consolidated the client exceptions for data preparation and developed a macro to view these exceptions • Achieved 95% success conversion rate of new hires graduating onto the shop floor • Documented the street formats and postal formats for Japan, China, Mexico, etc. which resulted in better data quality and geo-coding resolution