Kunal Sharma

Designed and negotiated motor insurance products with underwriters and product teams.

Reviewed market pricing to establish competitive underwriting guidelines with stakeholder.

BRD preparation for the projects assigned.

Creating Test scenarios and UAT.

Developed and integrated motor insurance product journeys throughout product lifecycles.

Motor Portfolio analysis and sharing the reports

• Analytics to Monitor the Motor Insurance Portfolio and to provide useful insights to improve overall performance in line with Motor Business Philosophy.
• Preparation of segment wise OD Loss ratio report and sharing with stakeholders to monitor portfolio health and take corrective actions.
• Liaise & review with insurance companies' underwriters and product team to design, negotiate and execute Motor Product & guidelines.
• Review market price of motor insurance and work with various stakeholders and insurance companies to deliver competitive underwriting guidelines.
• Updating the various premium related masters like discounts, add-on rates, others post reviewing on various in-house digital platform - OEM/POSP/B2C/Others.
• Responsible for development and integration of motor insurance product journey on various digital journey and manage overall product lifecycle.
• Introduction of New Motor products & implementation with close coordination with internal & external stakeholders.
• Worked on the project of Independent Road Side assistance (RSA) for Mahindra OEM channel partners.
• Worked actively with IT on Loss ratio Dashboard preparation logics on Power BI platform.

• Underwriting and Pricing of OEM channel for PCV.
• Working on Incurred claim data and preparation of report on monthly basis.
• Publishing region wise theft claim report on monthly basis and suggest corrective actions for high theft frequency cohorts.
• Publishing motor report on weekly basis with regional underwriters with actionable.
• Handling the Extended warranty approvals for Banca channel.
• Monitoring the Loss ratio & profitability of the regions & taking steps to reduce & control the loss ratio.
• Monitoring Budget vs Actual Business Movement & taking steps for Budget achievement with business Team.
• Discussion with Regional underwriter to take corrective actions as per RAG analysis.
• Formulation of Processes & Motor Underwriting guidelines for better underwriting controls.
• New Projects roll out ensuring end to end implementation of new guidelines and processes, Co-coordinating with IT department for UAT and rectification of any BUG/change in the system.
• Worked with IT team to develop a system for fleet evaluation.

• Integration of Motor Product i.e Private car, Two Wheeler & commercial vehicle from insurers on Insure Correct platform.
• Performing GAP analysis, Impact analysis, & RCA.
• Coordinating with IT for the UAT & rectification of any Bug.
• Providing Motor product training to internal sales force & corporate agents.
• Handling fleet approvals & rate negotiation from insurer.
• Handling commission/payouts for corporate agents.
• Publishing Motor Mis i.e sales done, conversion of leads etc.
• Research on new product features and sharing with insurer for product development.
• Preparation of OD Loss ratio report to share with senior management.

• Executing the underwriting guidelines for Motor classes.
• Executing the Underwriting License effectively.
• Ensuring Regulatory Compliance in all U/W related transaction for Motor product.
• Handling U/W issues related with processes.
• Technical support to branches for offline and online underwriting related issues.
• Monitoring the Loss ratio & profitability of the regions & taking steps to reduce & control the loss ratio.
• Responsible for the growth of company through business development and to achieve the branch income and manage profitability of the branch.
• Auditing the system flaws & taking measures to rectify those flaws.
• Assisting in UAT for Regulatory driven changes in System.
• Telematics Poc - To arrive at pricing on Pay as you Drive.
• Prepared a report on Inspection agencies as per the guideline shared by RGICL.
• Evaluation of School Bus Profitability.

• Issues contracts and booklets for new and revision cases on all multi-line Group business (Life, Long Term Disability, and Short-Term Disability).
• Works with internal and external customers including field representatives, underwriters and policyholders to ensure the provisions included in the policy comply with the client's requests as well state and federal regulations.
• Handling all Customer Link (On-line policyholder web site) changes, requests for hard copy administrative guides and booklet re-orders.

• Analyzed working of various departments such as underwriting, operations, marketing, claims and data processing in Life Insurance Industry.
• Understood the needs and requirements of a firm.
• Prepared a project report on ULIP Vs Mutual funds.

• To make the community awareness of the dynamics of population and to enable them to understand the consequences of the population problem.
• To generate awareness about health and hygiene aspects like sanitation, AIDS, drug abuse etc. and other such evils through seminars or awareness camps.
• To organize educational activities to promote literacy and awareness.
• To meet potential clients for donations.

• Analyzed working of various departments such as manufacturing units, marketing and selling points of a Bicycle company.
• Prepared a report on marketing research for the products of Hero cycle.