Niharika Tamak
Senior Underwriting Analyst
Noida
Summary
Certified Associate in Underwriting (AU) with 2+ years of experience in commercial and specialty insurance underwriting. Proven expertise in risk assessment, pricing strategy, and portfolio analysis. Adept at collaborating with global stakeholders, leveraging data insights, and ensuring regulatory compliance to support profitable underwriting decisions. Recognized for process optimization, decision consistency, and audit readiness.
Overview
2
2
years of professional experience
1
1
Certification
2
2
Languages
Work History
Senior Underwriting Analyst
Xceedance India
07.2023 - Current
- Leveraged AU certification to support global carriers with accurate, efficient underwriting decisions across complex commercial and specialty insurance lines.
- Conducted detailed risk analysis, pricing assessments, and exposure reviews using actuarial inputs and market intelligence, driving profitable portfolio outcomes.
- Managed and reviewed high-value submissions, providing technical insight and mentoring junior analysts in coverage structuring and risk selection.
- Coordinated with international Product, Legal, and Compliance teams to ensure consistent regulatory alignment and adherence to underwriting guidelines.
- Utilized data analytics to monitor loss trends, identify performance gaps, and contribute to strategic underwriting actions.
- Created and maintained SOPs and developed team training modules based on AU frameworks, boosting team performance and decision consistency.
- Collaborated with onshore underwriters and brokers to align risk appetite with business acquisition opportunities.
- Supported audit preparedness by ensuring documentation and decisions met internal and external compliance standards.
- Drove process improvement by embedding AU-based methodologies into core underwriting workflows.
Education
Master of Science - Population Studies And Economics
Gokhale Institute of Politics And Economics
Pune, Maharashtra 04.2001 -
Bachelor of Arts - Economics
Janki Devi Memorial College, University of Delhi
Delhi 04.2001 -
Skills
- Underwriting Analysis
- Risk Evaluation
- Commercial Lines
- Specialty Lines
- Portfolio Management
- Optimization
- Regulatory Compliance
- Audit Readiness
- Pricing Strategy
- Exposure Assessment
- Data-Driven Decision Making
- SOP Development
- Team Training
- Stakeholder Collaboration
- Insurance Regulations
- Documentation Standards
Websites
Certification
Associate in Underwriting (AU), The Institutes, USA, [March, 2025]
Technical Tools
- MS Office
- MS Excel Advanced
- Underwriting Platforms
- Internal Risk Engines & Dashboards
Timeline
Associate in Underwriting (AU), The Institutes, USA, [March, 2025]
03-2025
Senior Underwriting Analyst
Xceedance India
07.2023 - Current
Master of Science - Population Studies And Economics
Gokhale Institute of Politics And Economics
04.2001 -
Bachelor of Arts - Economics
Janki Devi Memorial College, University of Delhi
04.2001 -
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