Bharathi Alain

Accumulated over three years of experience as Insurance Underwriter.

Managed personal and commercial lines for USAA Insurance via TCS.

Executed risk analysis, policy reviews, and underwriting operations efficiently.

Leveraged data-driven insights to enhance compliance and team collaboration.

Domain: BFSI (Banking, Financial Services, and Insurance)

• Conducted evaluations of insurance applications for auto, home, and renters' policies to assess risk exposure.
• Determined coverage eligibility and premium rates through analysis of personal and financial data.
• Utilized underwriting systems to maintain accuracy in risk classification and documentation.
• Worked with underwriters, agents, and policyholders to address application discrepancies.
• Ensured adherence to internal policies and regulatory standards.
• Contributed to a 98% accuracy rate in underwriting decisions, significantly lowering claim loss ratios.
• Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
• Exceeded customer satisfaction by finding creative solutions to problems.
• Executed back-office support for USAA insurance processes with a focus on efficiency.
• Reviewed and verified customer documents to ensure compliance with standards.
• Prepared underwriting files, enhancing organization for swift approvals.
• Achieved a 15% reduction in turnaround time by implementing streamlined procedures.
• Trained new hires on workflows and compliance standards.