Kiran Patil
Doctor
Mumbai,MH
Summary
Deputy Vice President – Legal, Fraud & Investigation leads Pan-India motor claims litigation, fraud investigation, and legal strategy across MACT, IBNR, OD, and MPA portfolios. Builds fraud deterrence frameworks, coordinates with police leadership and Special Investigation Teams, and strengthens prosecution outcomes through FIR strategy. Drives AI-enabled claims automation, OCR workflows, and investigation quality audits to improve speed, consistency, and control.
Overview
18
18
years of professional experience
Work History
Deputy Vice President – Legal, Fraud & Investigation
ICICI Lombard General Insurance Co. Ltd.
Mumbai
01.2023 - Current
- Lead Pan-India legal investigation strategy across Motor Third Party Claims while driving enterprise fraud prevention initiatives, AI adoption, and digital transformation.
- Key Leadership Impact
- Lead Pan-India MACT investigation and legal operations across multiple business verticals.
- Expanded Maharashtra Pre-Litigation model into multi-state operations, creating a scalable fraud management framework.
- Lead IBNR investigation strategy across multiple states with a roadmap for nationwide implementation.
- Manage cross-functional teams comprising investigation, legal, claims, analytics, and external partners across India.
- Built structured fraud deterrence programs converting investigation outcomes into criminal prosecution through coordinated FIR strategy.
- Established strategic working relationships with senior police leadership including SP, IG and DGP offices to strengthen insurance fraud enforcement.
- Played a key role in formation and operationalization of Special Investigation Teams (SIT) focused on organized insurance fraud.
- Successfully supervised registration of multiple fraud-related FIRs across Maharashtra through coordinated investigation efforts.
- Driving adoption of Generative AI for Written Statement preparation, investigation quality audits, legal documentation and knowledge automation.
- Spearheading digital initiatives including investigation automation, OCR-enabled document processing and AI-assisted fraud analytics.
Senior Manager – Pan India Investigation
Bajaj Allianz General Insurance Co. Ltd.
Pune
01.2012 - 01.2023
- Progressed through multiple leadership roles while building one of India's largest investigation operations covering Health, Motor TP, AIR and Fraud Investigation.
- Major Contributions
- Served as National Centre of Excellence (COE) for Motor Third Party Investigation.
- Designed and implemented the "Anveshak" digital investigation platform integrating field operations, claims teams and vendors.
- Developed OCR-enabled AIR workflow and end-to-end digital case management.
- Established Future Fraud Risk Mitigation (FFRM) framework integrating FNOL investigation with CCTNS intelligence.
- Built investigation SOPs, governance models, vendor management frameworks and operational controls.
- Created centralized fraud analytics using Claims, IIB, CCTNS, MoRTH and external intelligence databases.
- Led Pan-India health investigation operations including recruitment, training and leadership of in-house medical investigation teams.
- Played a significant role in scaling investigation capability from regional operations to a Pan-India delivery model.
Manager – Health Investigation
ICICI Lombard General Insurance Co. Ltd.
Mumbai
01.2009 - 01.2012
- Managed Pan-India Health, Personal Accident and Fraud Investigation portfolios while leading investigation operations, audit compliance, TPA governance and claims quality improvement.
Education
Bachelor of Ayurvedic Medicine & Surgery (BAMS) -
CSMSS Medical College
Aurangabad01-2007
Diploma - Information Technology
Skills
Motor Claims Strategy
MACT Litigation
IBNR Investigation
Own Damage Fraud
Motor Personal Accident
Fraud Governance
Claims Analytics
Legal Operations
Fraud Intelligence
Artificial Intelligence
Agentic AI
OCR Automation
Accomplishments
- Pan-India Fraud Investigation Leadership
- Multi-State Legal Operations
- Insurance Fraud Deterrence Framework
- Special Investigation Team (SIT) Formation
- Police & Government Collaboration
- AI-enabled Claims Transformation
- Digital Investigation Platform Development
- Enterprise Fraud Analytics
- Operational Excellence & Process Automation
- High-Performance Team Leadership
AWARDS & RECOGNITION
Star Performer Award, Excellence Award (Two Consecutive Years), Overseas Recognition – Singapore & Malaysia, Appreciation Award, Multiple Leadership Recognitions for Operational Excellence
Timeline
Deputy Vice President – Legal, Fraud & Investigation
ICICI Lombard General Insurance Co. Ltd.
01.2023 - Current
Senior Manager – Pan India Investigation
Bajaj Allianz General Insurance Co. Ltd.
01.2012 - 01.2023
Manager – Health Investigation
ICICI Lombard General Insurance Co. Ltd.
01.2009 - 01.2012
Bachelor of Ayurvedic Medicine & Surgery (BAMS) -
CSMSS Medical College