Ankita Garg

Actuarial Consultant, LTC Valuations

• LTC valuation and experience analysis across morbidity, persistency, expenses, and interest rate assumptions.
• Actual vs Expected (A/E) analysis to support assumption setting and pricing inputs.
• Claim incidence, termination, and utilization analysis for profitability assessment.
• Reserve calculations and cash‑flow analysis at policy and cohort level. Sensitivity testing and impact analysis on key pricing assumptions.
• Alignment of valuation assumptions with pricing and risk frameworks.
• Exposure to statutory and regulatory valuation requirements.

Lead Actuarial Specialist, ALM

• Supported Asset‑Liability Management (ALM) valuation by analyzing asset and liability cash flows, duration, and interest rate sensitivity.
• Performed interest rate and scenario analysis to assess impact on reserves, surplus, and profitability.
• Assisted in cash‑flow matching, yield analysis, and reinvestment assumptions for long‑term insurance liabilities.
• Conducted sensitivity and stress testing to support risk management and pricing decisions.
• Ensured consistency between valuation, ALM, and pricing assumptions under regulatory frameworks.

• Supported pension valuation and actuarial calculations for defined benefit and/or defined contribution schemes.
• Performed liability calculations including present value of benefits, funding levels, and contribution requirements.
• Conducted sensitivity and scenario analysis to assess funding and risk impacts.
• Prepared client‑ready reports, disclosures, and reconciliations under regulatory standards.
• Supported Indian pension valuations (leave encashment, gratuity) and compliance reporting (IFRS, PBGC 4010) in Mercer Consulting India.
• Contributed to IFRS reporting processes and internal process enhancements.