Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
8
8
years of professional experience
1
1
Language
Work History
Consultant - Audit & Governance Team
MAX LIFE INSURANCE COMPANY LTD
03.2024 - Current
Analyze and conduct the quality check of the data provided by the underwriting team
Report sharing of findings with the complete documentation to team as per the requirement from time to time
T+1 day for analyzing the cases as given by Governance and audit team.
SME - Underwriting
TECHSURANCE PVT LTD.
01.2023 - 03.2024
Auditing of new business Hind Sighting policies and Death claim Hind Sighting policies
Managing the team of Underwriters monitor in the team
Giving feedback to team on audited cases and providing feedback for areas of improvement
Responsible for facilitating OJT for the new joiners on all Insurance related processes
Proactive in highlighting/ escalating issues/ concerns/ Areas of Improvements/ opportunities to the leadership team to get their help as and when needed
Keeping up to date with all the regulatory requirements and changes in the Insurance industry
Providing weekly and monthly data and presenting the same to the management
Worked on a project for improvement in commission cycle.
Sr. UNDERWRITER
Techsurance Pvt Ltd
03.2022 - 12.2023
Core underwriting, managing underwriting team Risk management, process improvement and training of the team
Review insurance applications and supporting documentation, such as medical records or financial statements, to determine eligibility for coverage
Ensure achievement of daily productivity target & maintaining highest quality
Ensuring adherence to agreed TAT for processing cases
Resolving sales queries within TAT
Keeping self-updated with technical knowledge required for the Underwriting role
Meeting productivity targets for self and team.
Jr EXECUTIVE - UNDERWRITER
ROBINHOOD INSURANCE BROKERS PVT LTD.
03.2019 - 02.2022
Assessment of Risk as per the companies' philosophy and supporting documents
Managing the team of Underwriters monitor in the team
Underwriting the new business insurance application
Review of cases underwritten by Jr
Underwriter for decision
Ensure quality and uniformity of underwriting through audit checks, Risk management, feedback etc
Regular updates and revision of guidelines, Manual, forms etc
As per risk factor escalating the cases
Analysis of various data and presenting the same to the management
Manage UW Support team and ensure smooth functioning of underwriting
Login and handling HNI Cases from Insurer portal and doing Ensure prudent risk underwriting for individual policies through high process and quality adherence.
Smooth Policy Issuance TAT as per requirement of company
After Issuance of Policy Quality check of policy documents and endorsement document And ensuring that the Policy dispatched to respective Customer
Underwriting of all proposal form & maintain Discrepancy & Medical cases TAT as Per requirement of company
Maintain Prepare various Reports: - Daily Chit MIS, Daily & Weekly performance Reports for new login business, Daily Policy Issuance & renewal premium records, Daily closing MIS for day to day new login business, Calling to customers for services related to insurance & verification purpose
Explain various schemes to customers & agents
Calling to generate new business, call for renewal of insurance premium
Maintain Register on the calls made, and the feedback received on renewal calls and follow-up
Login FD
Servicing related fd & Insurance Give Product knowledge.
DOCUMENT EXECUTIVE
SHRIRAM CHITS (M) LTD.
03.2016 - 01.2017
Documentation for disbursal of chit & Personal Loan File with proper Tele verification
Conducting Auction of all groups after proper calling & taking into consideration of all bids in person & other related work
Prize Money Top Sheet and other document using database, spreadsheets, word & presentation software
Customer handling for prize money payment, releasing & disbursement of file after checking fund availability.
Business Development Manager – Corporate Account at Mega Infratech and ProjectsBusiness Development Manager – Corporate Account at Mega Infratech and Projects
<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.<ul><li>Company Overview: Group Company of PUIG, Spain</li><li>Team Leadership & Process Excellence: Organised the transformation of the Finance & Accounts function, establishing performance-driven goals, and embedding a culture of accountability and continuous improvement. Drove operational efficiency through process redesigns, SOP implementation and optimal resource deployment, leading to measurable improvements in turnaround time and accuracy.</li><li>Strategic Partnering with CXOs: Acted as a key advisor to the CEO, CFO, and other CXOs on business planning, pricing strategies, and business model pivots to support scale-up and profitability. Contributed to investor communications with data-backed insights to enhance stakeholder confidence and secure strategic funding.</li><li>Cross-Functional & Global Stakeholder Management: Functioned as the strategic finance business partner to cross-functional heads and the PUIG global finance team, aligning local execution with global financial strategies and compliance requirements.</li><li>ERP Transformation & System Automation: Led end-to-end ERP reimplementation to address system gaps, enforce role-based controls, and automate core finance processes—resulting in enhanced data accuracy, faster reporting and improved internal controls.</li><li>Costing, Inventory & Profitability Optimization: Designed and implemented plant-level costing models to ensure accurate COGS determination. Improved inventory management across pricing, consumption tracking, and aging analysis—enabling better working capital control and cost efficiency.</li><li>Manufacturing Finance & Statutory Compliance: Supervised end-to-end accounting for manufacturing operations and ensured full statutory compliance.</li><li>Financial Reporting, MIS & Profitability Analytics: Delivered accurate and timely monthly MIS reports, including P&L, Balance Sheet and KPI dashboards with deep-dive variance analysis across stores, business verticals, and geographies. Supported board-level decision-making through insightful presentations on financial health and business performance.</li><li>Budgeting, Forecasting & Business Planning: Led the Annual Operating Plan (AOP) and rolling forecasts, ensuring alignment with strategic objectives and market dynamics. Monitored key financial metrics to enable business decisions and proactive cost management.</li><li>Statutory, Internal & Tax Audit Management: Finalized standalone and consolidated financials under Ind AS and IFRS, ensured timely group reporting and compliance with international standards. Delivered clean and timely closures of statutory, tax, and internal audits in coordination with Big 4 auditors. Strengthened audit readiness through pre-audit diagnostics and rectification of recurring control gaps.</li><li>Regulatory Compliance & Risk Management: Ensured end-to-end compliance which includes ROC, RBI, FEMA, Income Tax, GST, Transfer Pricing, DTAA, and Customs. Reviewed cross-border contracts and transactions to ensure arm’s length pricing, accurate TDS application, and proper documentation under Transfer Pricing regulations.</li><li>Commercial Negotiation & Contract Governance: Led commercial negotiations and structured deals with vendors and franchisees. Reviewed key business contracts to ensure financial viability, risk protection, and compliance with regulatory standards.</li><li>Treasury & External Commercial Borrowing (ECB): Managed fund planning and liquidity management including ECB drawdowns, bank negotiations, and interest optimization. Improved working capital cycles through proactive cash flow forecasting and receivables control.</li><li>Internal Controls & Governance Framework: Led organization-wide reviews of internal control systems, identified process gaps, and redesigned or implemented over 40 SOPs and IFCs. Established a governance structure for financial discipline, risk mitigation, and policy compliance across departments.</li></ul> at Kama Ayurveda Pvt. Ltd. & PUIG India Pvt. Ltd.