Bharanidaran O

Customer : United Services Automobile Association, San Antonio, TX , USA

Project : Auto Modernization Program using GW and Earnix

• Led requirements analysis for a new Auto Insurance product under a key modernization initiative. Streamlined rating logic by comparing Ratabase and Earnix workflows and designed vehicle assignment logic within Earnix following feasibility analysis.
• Drove product design through SME and stakeholder collaboration. Spearheaded Earnix–Guidewire PolicyCenter integration by defining output parameters and configuring Auto Coverages to align with business needs.
• Conducted unit testing, documented results, and led customer demos to secure sign-off. Coordinated with onshore teams for staging deployments. Acted as SME, managing end-to-end configuration of rules and rating structures to accelerate Auto Renewal delivery in Earnix.
• Active contributor in Agile ceremonies, ensuring alignment and delivery momentum.

Customer : United Services Automobile Association, San Antonio, TX , USA

Project : P&C Insurance Communication System Modernization with GW and Legacy maintenance initiatives

• Evolved from Proxy to full-time Product Owner, leading backlog refinement, feature grooming, and end-to-end execution of Program Increment (PI) objectives across four cross-functional teams from diverse Lines of Business in a downstream implementation initiative.
• Aligned program and solution layers with business priorities and roadmaps by providing strategic input and timely feedback. Facilitated Pre-Planning and PI Planning, ensuring features were well-groomed, dependencies identified, and clear Definition of Done (DoD) established.
• Drove Agile ceremonies, monitored team progress, and maintained alignment with program goals. Led ongoing feature refinement sessions to build a healthy backlog and enable seamless execution.
• Actively resolved cross-team dependencies, escalated risks, and tracked mitigation efforts to ensure delivery continuity. Validated user stories post-iteration and ensured product increments met business expectations.
• Regularly reported PI health and progress to senior leadership, ensuring transparency, stakeholder alignment, and focus on delivering business value.

Customer : Nationwide Insurance , Columbus , OH , USA

Project : Commercial Auto Transformation Program

• Led requirements analysis and feature prioritization for a Commercial Auto transformation rollout, translating program goals into detailed user stories for development teams.
• Defined comprehensive business and system requirements, enabling cross-team clarity. Conducted in-depth data mapping between legacy and Guidewire systems to ensure seamless integration and data consistency.
• Documented acceptance criteria in Jira and Rally, aligning with stakeholder expectations. Prepared data mapping documents for external Guidewire interfaces (e.g., CLUE, MVR) and validated API requests/responses to meet specs.
• Supported accurate integration of rating logic from legacy systems to Guidewire and provided hands-on assistance during UAT and System Testing to ensure end-to-end traceability and sign-off.
• Owned Guidewire integration requirements for the Agile team, contributing to a successful rollout within the broader Commercial Auto modernization initiative.

Customer : Aviva plc, Perth United Kingdom

Project : Commercial Auto Program Implementation

Contributed to backlog prioritization and requirements refinement for the Commercial Auto Implementation, ensuring actionable user stories aligned with project goals. Collaborated with SMEs to elaborate user stories from high-level features, building a detailed backlog with Development and Testing teams.

• Defined business and system requirements at both high and detailed levels, ensuring clarity across teams. Conducted data mapping and created UI mockups for seamless integration between legacy and current insurance systems.
• Documented detailed requirements, use cases, and functional specs for system functionality. Ensured Agile ceremonies were followed, validating that product requirements met stakeholder expectations.
• Led system demos, securing sign-offs and confirming deployment readiness. Delivered User Stories for Guidewire features in the Commercial Auto Program, adhering to GW processes and Agile practices.

Customer ; Aviva Plc, Norwich, United Kingdom

Project : Aviva Digital Initiates program

• Created and documented user story cards to enhance the Digital platform, ensuring alignment with business goals and clear requirements. Collaborated with Business Sponsors, IT teams, and Product Owners to capture detailed, actionable requirements.
• Actively participated in design and test review meetings, ensuring alignment between development and testing efforts. Supported post-implementation validation of business scenarios, confirming that solutions met business needs and expectations.
• Led system demo sessions with Development, Testing teams, and Business Sponsors, securing sign-offs on completed features. Contributed to retrospective sessions, promoting continuous improvement within the Scrum cycle.
• Provided on-site support at the customer location, facilitating communication and resolving issues. Successfully delivered requirements to the Agile team, collaborating with the Product Owner and Sponsors to support AVIVA's Digital enablement priorities for dot com capabilities.

Customer : Nationwide Insurance , Columbus, OH, USA

Program : Personal Lines Auto - Actuarial Application transformations

• Educated IT teams on business processes, actuarial applications, and workflows, ensuring a thorough understanding of domain requirements. Created user story cards from Requirement Definition Workshops (RDW) with customers, aligning features with business objectives.
• Refined user stories continuously and ensured they were fully detailed for backlog grooming. Updated Jira/Rally with comprehensive acceptance criteria, ensuring readiness for development.
• Monitored progress, preparing Jira dashboards after each iteration to provide management with visibility into team performance and delivery. Collaborated with onshore teams to provide ongoing support from the offshore location, ensuring smooth project execution.
• Served as SME, defining requirements for the Personal Lines actuarial transformation program. Analyzed legacy actuarial processes and tools to guide IT teams and manage the delivery of the program successfully.

Customer : Chubb Specialty Insurance, NJ, USA

Project : Rating engine Modernization

• Assisted in preparing the test strategy by analyzing existing systems, UI specifications, rating rules, underwriting, and document management systems. Collaborated with IT and Business teams to finalize requirements for the Pilot phase of the Auto Improvement Program, ensuring alignment with business objectives.
• Analyzed As-Is and To-Be workflows, leveraging business rate memos and manuals to define future states. Led requirement workshops with Onshore SMEs and actively participated in system design and defect triage calls, facilitating timely resolutions and progress.
• Provided end-to-end support throughout the delivery life cycle, ensuring smooth execution from the Offshore location. Led customer-facing workshops to extract requirements, supporting IT teams in transitioning a core rating engine from legacy systems to a new product by reverse engineering code and utilizing available user manuals.

Customer : The Hartford Insurance Group (HIG), Hartford, CT, USA

Project : Invest and maintenance Program for Personal Lines Actuarial Applications / Datawarehouse

Period : Also worked in the same program from 01-2016 till 07/2017

• As part of the Business As Usual (BAU) effort for Hartford Management Group (HIG), led the review and handling of rate revisions and regulatory changes for Auto & Home Lines of Business (LOBs), supporting quarterly rate-making, loss trends, and territory redefinition.
• Led requirements gathering, and prepared Business Requirement Documents (BRD), Functional Specification Documents (FSD), and testing plans for enhancements to Auto & Property rate-making systems. Provided support for the Territory Redefinition application, ensuring system alignment with business needs.
• Validated product enhancements through User Acceptance Testing (UAT) in collaboration with business customers, ensuring new features met requirements. Conducted data validation for the Auto & Property Data Mart, supporting new rating variables and ensuring data consistency.
• Contributed to rating accuracy improvements, aligning pricing strategies with business objectives. Coordinated with Offshore teams for timely delivery, securing sign-offs from business customers at key milestones.
• Supported new and maintenance projects in actuarial applications, including requirements gathering, data analysis, data mapping, and UAT management for both existing and new projects.

Customer : United Services Automobile Association, TX, USA

Project : Policy Admin System (PAS) - Rollout Implementation

• As part of USAA's large-scale Auto Insurance Program, contributed to the legacy transformation from mainframe policy writing systems to the Mastercraft product (TCS proprietary tool), spanning across all 50 US states and international locations.
• Led requirements gathering, legacy rule analysis, and configuration of Auto rating rules within the CGI Rating Engine for Personal Lines of Auto. Played a key role in the Pilot phase and subsequent rollouts, ensuring seamless deployment and alignment with business objectives.
• Actively participated in Unit, Integration, and System Testing, ensuring functional and technical requirements were met. Analyzed and resolved defects within SLA timelines, minimizing impact on delivery and product quality.
• Led knowledge transition and training efforts, ensuring smooth handover to the successor team and maintaining project continuity. Created detailed system knowledge artifacts for ongoing support, facilitating effective troubleshooting and system maintenance.
• Extracted rules from mainframe systems, analyzed and configured requirements for Ratabase rating engine integration with the new Policy Admin System, and managed defects and team coordination.