Anagha Kalgude
Ontario
Summary
Bachelor of Pharmacy graduate with 1.4 years of experience as a pharmacist and 2.1 years of experience as an individual life insurance underwriter for multiple insurers with a deep understanding of customer service and support. Well versed in electronic data documentation, MS Excel, Word, and Outlook.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Team Lead- Underwriter
Inches Healthcare Pvt. Ltd.
Mumbai
08.2023 - 09.2024
- Processed over 9000 Individual life insurance proposals with CI, TI, and ADB riders for multiple insurers such as SBI Life and TATA AIA.
- Held signing authority of 50K INR, as well as accurately evaluated and refered proposals of high networth individuals (5 Crore-10 Crore INR) to Senior underwriters.
- Trained 50+ employees in end-to-end underwriting and reinsurer manuals such as MIRA (Munich Re), LIFE Guide(Swiss Re), and insurer guidelines, reinforcing decision-making and case evaluation skills.
- Worked inperson and remotely within a team environment, conducting and participating in team building events individually with minimal to no supervision.
- Ensured compliance with reinsurer and insurer guidelines and maintained strict turnaround times (TAT).
- Completed training in underwriting group insurance (TATA AIA) and credit insurance (SBI Life) proposals.
- Assisting with technical problems via varios support channels like email, chat, call, etc.
- Liaised with clients and internal teams to resolve complex scenarios in life insurance proposals.
Executive Underwriter
Inches Healthcare Pvt. Ltd.
Mumbai
08.2022 - 07.2023
- Assessed proposers medical records and financial documents for life insurance proposals.
- Applied underwriting guidelines and made independent eligibility decisions based on insurer and reinsurer guidelines.
- Underwritten and rated proposals with various riders by applying the guidelines on hazardous occupations, hobbies, terminal illness, etc.
- Ensured 100% accuracy in case handling, contributing to client satisfaction and retention.
Clinical Research Associate
Vasta Bioinformatics Pvt. Ltd.
Navi Mumbai
03.2022 - 04.2022
- Responsible for documentation and management clinical data by entering data into Electronic Medical Records/Sheets for clinical research projects at Memorial Sloan Kettering Cancer Centre.
Junior Pharmacist
Pooja Chemist & Druggist
Navi Mumbai, Maharashtra
10.2020 - 03.2022
- Carried out day to day operations ensuring execution of planned jobs with strict adherence to the SOPs.
- Executed Pharmacy operations as per FDA norms.
- Educated patients on proper dosage, administration and side effects of prescribed medication.
- Provided patient counselling regarding OTC medications.
- Informed customer on side effects, correct dosage and proper storage of OTC medicines.
Education
Bachelor of Pharmacy - Pharmacy
University of Mumbai
Mumbai, MH, INPost-Graduate Diploma in Clinical Research and Pharmacovigilance - Clinical research and Pharmacovigilance
Cliniminds
Skills
- MS Excel
- MS Office 365
- Outlook
- Electronic Data documentation
- Clinical, Pharmaceutical and therapeutic knowledge
- Detail-oriented
- Problem-Solving, and Decision-Making
- Training and Mentorship
- Client Relationship Management
- Excellent Verbal and written Communication
Certification
- Registered Pharmacist - India.
- ALU 101 Exam, Passed, 2025-10-01
- Insurance Institute of India - IC 01 Exam, Passed
- Pursuing FALU designation.
Accomplishments
- Awarded 'Star of the Quarter (2023)' in recognition of outstanding performance.
- Recognized with the 'Operational Excellence Award' for successfully leading a team, training new joiners, and resolving complex queries.
LANGUAGES
Hindi
First Language
English
Proficient
C2
French
Intermediate
B1
Websites and Profiles
https://www.linkedin.com/in/anagha-kalgude-6b503220a/
Timeline
Team Lead- Underwriter
Inches Healthcare Pvt. Ltd.
08.2023 - 09.2024
Executive Underwriter
Inches Healthcare Pvt. Ltd.
08.2022 - 07.2023
Clinical Research Associate
Vasta Bioinformatics Pvt. Ltd.
03.2022 - 04.2022
Junior Pharmacist
Pooja Chemist & Druggist
10.2020 - 03.2022
Bachelor of Pharmacy - Pharmacy
University of Mumbai
Post-Graduate Diploma in Clinical Research and Pharmacovigilance - Clinical research and Pharmacovigilance
Cliniminds