Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Gargi

Bangkok

Summary

A senior insurance professional with two decades of experience in Health and Life Insurance business operations. As a founder member at Max Life lead a team of 10 Underwriters and 30 contract staff for end-to end policy issuance operations. Trained operation teams & agency force on products, underwriting process and guidelines. In addition, have worked with MetLife, HCL and Max Bupa (health Insurance). At Max Bupa successfully implemented end to end digital onboarding for all channels including key bank partners. As an operations leader I specialize in creating customer delight across touch points through process simplification. Pro-actively identify unmet needs to evidence gaps and identify opportunities to address as per the medical plans. Establish and develop relationships alongside contracted partners with a wide variety of healthcare professionals to achieve scientific, advocacy, educational, and patient outcome goals. Create strategies to help increase the growth and revenue. At Prudential Thailand as Lead Digital Underwriter I was responsible for successful launch of Digital products with simplified underwriting, implement predictive underwriting and AI-ML adoption to simplify customer onboarding. I have successfully led new-age solutions viz. video medical examination, activity-based risk triage, data driven UW. Currently as part of FWD driving projects pertaining to go green initiative with focus on cost reduction and bringing in benefits, selection of vendors by biding and vendor management

Overview

23
23
years of professional experience
1
1
Certification

Work History

Lead Project Manager for operations

FWD Thailand
Bangkok
01.2024 - Current
  • Evaluate initiatives to digitize (ESG initiative to reduce cost) and create paperless organization
  • Implement lean and agile methodologies to enhance SLA, TAT’s for simplifying customer onboarding journey and services
  • Optimize resources and create avenues to generate revenue by bringing benefits.

AVP – Head Digital lead (Underwriting)

Prudential Thailand
Bangkok
04.2022 - Current
  • Design bespoke UW guidelines to support Digital & D2C products, customer onboarding and services
  • Implement predictive underwriting and AI-ML models to simplify customer onboarding journey.

AVP/Head Customer Services & Grievance Redressal

Future Generali
11.2020 - 04.2022
  • Review and implement improvements in customer life cycle from inception to maturity/claim benchmarked with industry best practices
  • Collaborated with various stakeholders to evaluate voice of customer and define roadmap for achieving best in class customer experience across touch points.

Manager Operations

HCL Technologies Ltd.
Chennai
11.2010 - 06.2011
  • Managed onshore processes of HCL to ensure quality, Created transition Framework

Manager Operations

MetLife India Insurance
07.2007 - 11.2010
  • Managed Pan- India production with accuracy of issuance at 90%, inhouse and vendor location

Assistant Manager Financial Underwriting

Max Life Insurance
11.2001 - 06.2007
  • Managed a team of financial underwriters to provide simplified onboarding journey to the customer.

General Manager (Grievances Redressal, Customer Services & Operations)

Max Bupa Health Insurance Ltd.
06.2011
  • Managing end to end customer service and operations, Head of Grievance redressal, Contact center, New business Onboarding, Branch Operations and Medical advisory team
  • Managed operations, customer and distribution escalations, risk and compliance

Education

PGDBM with specialization in Marketing and Finance -

Skills

  • Health and Life Insurance Operations
  • End to End view and expertise
  • Branch offices
  • Customer service
  • Grievance Management
  • New Business
  • Underwriting
  • Medical advisory team
  • Provider management
  • Analyzing key processes
  • Implementing improvements
  • Enhancing efficiency
  • Customer delight
  • Avenues to revenue generation
  • Leadership
  • Building skilled empowered teams
  • Claims adjudication

Certification

  • Green Belt Six Sigma certification from Benchmark Six Sigma Certification Pvt. Ltd.
  • Diploma in Digital Marketing

Timeline

Lead Project Manager for operations

FWD Thailand
01.2024 - Current

AVP – Head Digital lead (Underwriting)

Prudential Thailand
04.2022 - Current

AVP/Head Customer Services & Grievance Redressal

Future Generali
11.2020 - 04.2022

General Manager (Grievances Redressal, Customer Services & Operations)

Max Bupa Health Insurance Ltd.
06.2011

Manager Operations

HCL Technologies Ltd.
11.2010 - 06.2011

Manager Operations

MetLife India Insurance
07.2007 - 11.2010

Assistant Manager Financial Underwriting

Max Life Insurance
11.2001 - 06.2007

PGDBM with specialization in Marketing and Finance -

Gargi