Summary
Overview
Work History
Education
Skills
Certification
Affiliations
Timeline
Generic

Babita Makhloga

Rishikesh

Summary

Experienced Property and Casualty Insurance Specialist with over 9 years in underwriting, insurance operations, and team performance enhancement. Adept at risk assessment, policy evaluation, compliance monitoring, and client-focused services. Proven ability to support business objectives through effective insurance solutions, detailed data analysis, and training programs.

Overview

11
11
years of professional experience
1
1
Certification

Work History

Underwriting Insurance Consultant

Intellect design arena ltd
Gurgaon
10.2022 - Current
  • Operate as Assistant Underwriter within the Property and Casualty (P&C) insurance division, ensuring accurate and timely processing of insurance submissions and documentation.
  • Review insurance applications and supporting documents to ensure compliance with underwriting guidelines, state regulations, and internal risk appetite.
  • Generate accurate insurance quotes and coverage proposals by evaluating client profiles, financial histories, and risk factors.
  • Assign insurance products as per agent and underwriter requests, and determine customer eligibility based on underwriting criteria.
  • Collaborate closely with underwriters, actuaries, and support teams to finalize quotes and renewals, ensuring effective policy binding.
  • Maintain underwriting documentation, correspondence, and decision logs in accordance with company protocols and audit requirements.
  • Utilize policy administration and CRM tools to track submissions, status updates, and customer data with precision and confidentiality.
  • Contribute to continuous improvement by suggesting workflow optimizations and assisting in automation of manual processes.

Assistant Underwriter – Commercial Lines Insurance

Genpact
Gurgaon
11.2014 - 09.2022
  • Managed end-to-end underwriting support for Commercial Professionals and Auto Insurance lines for U.S.-based customers.
  • Entered and processed insurance submissions as per underwriting and agent instructions within turnaround times (TAT) aligned with SLAs.
  • Evaluated and reviewed new business applications, endorsements, and renewals for eligibility, pricing, and risk exposure.
  • Supported underwriters in the generation of quotes, amendments, and policy issuance using internal systems such as Guidewire and proprietary underwriting tools.
  • Conducted risk assessment by analyzing applicant information, prior claims, and creditworthiness to support data-driven decision-making.
  • Delivered exceptional client service by addressing inquiries, managing complaints, and ensuring high policy accuracy to drive customer retention.
  • Trained and mentored new hires, developed SOPs, and facilitated knowledge sharing within the team to maintain process consistency and performance.
  • Led regular huddles and quality sessions to monitor team KPIs, productivity, and error rates, ensuring continuous improvement.
  • Contributed to internal quality audits, policy reviews, and compliance checks as part of process excellence initiatives.

Education

BBA - Bachelor of Business Administration

HNB Garhwal University, Uttarakhand
Dehradun
05-2011

Skills

  • Risk Assessment & Management
  • Insurance Underwriting
  • Compliance Review
  • Data Analysis & Documentation
  • Client Relations
  • Communication (Written & Verbal)
  • Team Training & Mentoring
  • US Insurance Process Knowledge

Certification

  • P&C Insurance 101 Domain Training – In-depth training in property and casualty insurance principles and operations.

Affiliations

  • Led multiple training sessions resulting in significant process improvements and service level enhancements.
  • Recognized for maintaining high accuracy in policy creation and underwriting tasks.

Timeline

Underwriting Insurance Consultant

Intellect design arena ltd
10.2022 - Current

Assistant Underwriter – Commercial Lines Insurance

Genpact
11.2014 - 09.2022

BBA - Bachelor of Business Administration

HNB Garhwal University, Uttarakhand

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Babita Makhloga