Senior healthcare and insurance operations leader with over 13 years of medical experience and 8 years in leadership roles. Proven track record in health and life insurance underwriting, medical risk assessment, and AI-driven operations. Expertise in scaling delivery, managing SLA/KPI frameworks, and leading digital transformation initiatives. Achievements include significant cost reductions and efficiency improvements, alongside strong skills in risk management and regulatory compliance.
Overview
16
16
years of professional experience
Work History
AVP - Medical Services Underwriting Operations
Nu10 Technologies Pvt Ltd
Bengaluru
01.2022 - Current
Led cross-functional teams to drive strategic initiatives, operational excellence, and continuous improvement across insurance and healthcare programs.
Partnered with senior stakeholders to align technology, operations, and business objectives, supporting long-term growth and scalability.
Analyzed market trends, operational data, and industry benchmarks to inform product development and strategic planning.
Managed vendor and partner relationships, optimizing service delivery, governance, and commercial outcomes through effective contract negotiations.
Developed and evaluated business cases for new initiatives, process enhancements, and technology investments.
Collaborated with senior leadership to identify cost-optimization opportunities and execute strategies to achieve financial and operational targets.
Owned financial oversight including budgeting, forecasting, and variance analysis, ensuring accuracy and accountability across teams.
Led the annual budgeting and resource planning process to optimize cost efficiency and capacity utilization.
Conducted regular governance and performance review meetings with stakeholders to track progress against SLAs, KPIs, and strategic goals.
Project Manager - Underwriting Operations
Idea Bubbles Consulting Services Pvt Ltd
Bengaluru
01.2017 - 01.2022
Built and rapidly scaled resilient telemedical and video-based insurance underwriting delivery models for leading insurers and TPAs across India during the COVID-19 pandemic, ensuring uninterrupted operations under extreme constraints.
Led end-to-end health and life insurance underwriting operations at scale, covering project onboarding, workforce ramp-up, training frameworks, and quality governance.
Managed and mentored over 300 doctors, medical professionals, analysts, and operations leaders across multiple underwriting programs.
Partnered with technology teams to translate clinical and underwriting requirements into automated, scalable workflows.
Implemented AI-enabled operational frameworks to improve turnaround time, audit readiness, scalability, and regulatory compliance.
Drove enterprise adoption of AI-powered CRM platforms, enabling intelligent case allocation, workflow automation, and productivity optimization.
Established real-time MIS dashboards for SLA adherence, productivity, quality metrics, and operational risk monitoring.
Deployed speech-to-text quality analytics for automated compliance checks, quality assurance, and underwriting risk flagging.
Strengthened underwriting confidence and fraud detection through anomaly detection and pattern analysis.
Owned client escalations, SLA governance, and performance review forums, ensuring high service reliability, and stakeholder confidence.
Led end-to-end Holter ECG monitoring and reporting operations, governing case allocation, turnaround time, quality benchmarks, and audit frameworks.
Coordinated with cardiologists, reporting physicians, and technology partners to deliver compliant, timely, and high-quality clinical outputs.
Medical Officer / Consulting Physician
01.2010 - 01.2017
Delivered patient care across chronic disease management, lifestyle disorders, orthopedics, pediatrics, gastrointestinal conditions, and pain management
Education
BAMS - Bachelor of Ayurvedic Medicine & Surgery -
J.S.S Ayurveda Medical College
Mysore
Post Graduate Diploma - Computer Applications
Pace IT Solutions
Idukki
Skills
Insurance & Medical Underwriting
Health and life insurance underwriting operations
Tele and video medical underwriting
Medical risk assessment and decisioning
Insurance underwriting platforms
Medical Verification Platforms
Quality assurance, compliance, and risk monitoring
SLA and KPI governance
AI-Enabled & Digital Operations
AI-enabled insurance operations
Workflow automation and digitization
AI-Powered CRM Platforms
Speech to text quality analytics
Operational dashboards and MIS analytics
Enterprise reporting tools
Technology & Clinical Platforms
Holter Monitoring Operations
Holter Monitoring Platforms & Digital ECG Reporting