Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
14
14
years of professional experience
Work History
Director (Insurance Ops- claims)
ACKO General Insurance
04.2025 - Current
Managing enterprise-wide claims across PA - Death & Disability, GPA - OPD, Credit - Loan Shield, Hospicash, Asset Protection, Credit Life, and Domestic & International Travel.
Driving operational efficiency and enhancing customer experience through technology-led interventions (Claims NPS increased from 53% to 71% for Year 25-26)
Leading initiatives to mitigate fraud (from 0.3 to 4% fraud identification leading to Annual savings of around INR 19 Cr)
Set up Overseas retail travel operations (cashless & reimbursement, 24
7 support) where we were able to offer insurance coverage across the globe. Achieved an NPS of 83% in travel claims LOB.
Loss ratios improved from 91% to 63% in credit & GIG in last 2 years.
100%-win ratio on claims litigation (Insurance ombudsman & Consumer forum cases)
Associate Director (Insurance Ops- claims)
ACKO General Insurance
04.2023 - 03.2025
Deputy General Manager (Chief Grievance Officer)
ACKO General Insurance
04.2021 - 03.2023
Managing Regulatory reporting & communication (IRDAI), compliance, Risks & Audits.
Ensure all customer grievances are handled with utmost priority and are resolved within set TAT. this has helped us ensure a 100%-win ration on all ombudsmen cases.
Review rejected claims to protect policy holder interest as per IRDAI guidelines.
Scaled up cx team by 6X (From 40 to 250) in a span of 2 years.
Build and lead a high-performance customer experience team (265 headcounts, 15 direct reportees) to resolve complaints received at CEO/MD office, IRDAI, Social Media channels, police/court and from walk in customers.
Cost optimization through process redesign/elimination, technology interventions, contract negotiation
Engage with stakeholders from other business units to find solutions to issues impacting customer experience.
Plan launch of new products by ensuring readiness of the team from process design to workflow.
Budget planning, headcount forecasting and recruitment planning and delivery.
Senior Manager (Operations)
ACKO General Insurance
05.2019 - 03.2021
Handling Micro claims and operations team of 100 plus members PAN India.
Streamlining claims process for digital insurance through automation to bring down over all TAT across products (Ola, Redbus, Gocars etc.
Reduced repeat call & tickets and currently operating at 4% Repeat customers queries.
Stream lined over all Mobile insurance process by bringing in partners proving logistics as well as service, improving over all TAT for the process.
Looking into contact center matrices and driving C-SAT to ensure customer experience through out process
Weekly review for over all claims ratio, TAT adherence, partner performance.
Senior Manager, Operations
Wooplr
10.2016 - 04.2019
Setting up end-to-end logistics/brand operations. On-boarding logistics partners, negotiating shipping charges, analyzing logistics performance and parameters to ensure on time last mile delivery across India.
Optimizing on RTO & NDR process to bring down wastage via returns and cancellation from 45% to 28% bringing down over all logistics cost by around 30%.
Streamlining Order refunds and resellers payouts process on a daily as well as weekly basis and also doing a weekly audit for the same.
Implementing On-Hold process (designed frame work and successfully launched) to validate COD orders and ensure good customers orders are processed on priority reducing over all orders lifecycle to 4-5 days across PAN India.
Setting up and leading support process and handled a team of 50 members across domestic shifts to ensure seamless experience to sellers and their customers and achieved NPS of 9/10 for 2018-19.
Sourcing brand packaging materials and setting up process to automate entire process for the same.
Built commerce support and operations from scratch and currently handling a flow of over 5000 daily orders.
Handled internationals shipments, imports and optimizing costs of imports and shipping by introducing hand sakes between different partners bringing down over all shipping by 15% and reducing import time by 1 day across network.
Setting up brand-ops to ensure all sellers/ brand across platform are satisfied and all queries related to logistics/finance/queries related to commerce are resolved within set TAT.
Designed framework for exchange and on-spot refund through setting up QA at the time of pickup even in case of COD orders.
Handling entire post purchase experience of commerce and also managing company reputation on different social media platforms/play store/Appstore.
Manager Operations
Solvy Tech Solutions Private Limited (Zopper.com)
02.2015 - 10.2016
First employee of the company for Bangalore location where I implemented entire city level operations for hyper local market place.
Onboard big Retail chains - electronics& home appliances, eg: Sangeetha mobiles, Unilet, Pai Electronics on the platform for hyperlocal search and order fulfillment.
On boarded logistics partner for hyper local delivery of orders.
Launched sales for Easy POS software within city and setting up and leading a team of 15 members and as a branch were always among top performers across PAN India.
Piloted Z-assure home appliances/mobile insurance program across market place partners through promoter model and developed distributor channel to drive offline sales through retail front.
Partnering with local service providers for warranty claims -servicing & repairs.
Supervising over all business for the city to ensure unit profitability and brand visibility across partners and also organizing seller meet to ensure coordination among all partners.
Initiating GSB (glow sign boards) project on partner retail outlets for market presence and also organizing offline retail marketing activity (Canopies, standee’s, price comparisons stickers, etc. ) for customer engagement, this helped build brand and grab customer attention at the time of purchase at outlets.
Hiring promoters for stores and also managing promoter sales model - this was a core number driven sale.
Senior Relationship Manager
Homeshop18 (E-commerce)
02.2013 - 02.2015
Handling high value bulk orders (Above 1Lakh), finalizing quotes, preparing purchase orders and also post purchase experience to ensure retention.
Handling key sellers on the platform, managing inventory, returns, sales report for the quarter and interacting with sellers for better sales plan and exposure on the platform.
Handling CEO level escalation and resolving the same over a call by taking decision to ensure same gets closed.
Onboarding new sellers on the platforms, finalizing on platform commissions based on catalogue and Sales price offered by brand/seller.
Setting up logistics for white goods to minimize in-transit damage and within TAT delivery for orders.
Operations Associate
Myntra Designs Pvt Ltd
01.2012 - 02.2013
Worked in pilot batch for NDR/ON-HOLD process, this helped bring down over all RTO for the organization and delivery related escalations.
Handled critical escalation while working on escalation desk.
Was promoted as supervisor for returns QA to ensure fraud detection and was part of pilot batch for instant cash-back refunds.
Initial operations supervisor for Myntra logistics (now E-kart) for over all TAT adherences on forward and reverse logistics.
Resolving customer escalations for delay in delivery and pickups and also ensuring it is closed within set TAT.