PRAVIN KUMAR

• Reviewed KYC, medical, and financial documents to validate policy eligibility and accuracy.
• Evaluated life term health and investment insurance applications to support underwriting decisions using financial, medical, and lifestyle data.
• Used underwriting guidelines to assess risk exposure and establish eligibility decisions to support consistent underwriting operations.
• Coordinated with Sales and Medical teams to collect additional data needed for ongoing activities.
• Analyzed acceptance, rejection, and rating performance to recommend adjustment changes supporting consistent decision-making.
• Verified adherence to IRDAI requirements and internal underwriting policy across underwriting processes.
• Improved processes through ongoing contributions and supported junior staff training to strengthen team capability.
• Handled claims case evaluations to assess financial and operational risk, ensuring accurate resolution and compliance with company policies.
• Conducted risk analysis on claims cases, reducing exposure by identifying fraudulent or high-risk patterns.
• Assessed insurance proposals and applied underwriting guidelines to determine acceptable risk.
• Improved decision-making processes by providing insightful recommendations based on thorough risk analysis.
• Conducted risk assessments to identify control gaps and prioritize mitigation actions.

• Reviewed and verified loan applications and supporting documents to ensure compliance with lending policies.
• Maintained detailed loan application records, consistently meeting monthly approval targets.
• Mentored credit analysts on risk assessment, documentation standards, and policy interpretation.
• Evaluated credit applications, verifying financial statements, repayment capacity, and policy compliance.
• Recommended lending decisions based on risk analysis, collateral review, and customer credit history.
• Prepared credit reports, ensuring accurate documentation and consistent approval records.
• Coordinated with sales and operations teams to resolve credit issues and support customer needs.
• Reviewed exceptions against lending guidelines, maintaining compliance with internal controls and regulations.
• Improved credit workflow efficiency by streamlining review steps and reducing processing delays.
• Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
• Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
• Reviewed and verified income, credit reports and employment histories for each borrower.

• Verified loan documentation and analyzed credit to assess risk.
• Evaluated financial health using ITR, GST, and bank statements to inform lending decisions.
• Conducted renewal eligibility reviews and generated reports to ensure compliance with lending standards.

(12th)

(10th)