Priyanka Sutrave
Bengaluru
Summary
Dynamic Medical Underwriting Consultant with a proven track record at Ethos Life, leveraging expertise in risk assessment, medical data evaluation, and cross-functional collaboration to enhance underwriting processes through technology-driven solutions, optimize automated systems with engineering teams, strengthen decision-making accuracy and compliance, and drive continuous operational improvement.
Overview
11
11
years of professional experience
4
4
Certifications
Work History
Medical Underwriter
Ethos Life
Bengaluru
09.2023 - Current
- Reviewing and summarizing U.S. life insurance policies containing applicant's medical information, attending physician statements (APS), lab reports, paramedical exams, and other underwriting-related information consistent with ETHOS Life standards.
- Identified gaps and inefficiencies in the underwriting process and recommended technology-enabled solutions to enhance operational effectiveness.
- Collaborate closely with the engineering team to develop a 'Rule Engine' that automatically makes decisions based on the comprehensive data stored in the database; assessed AI-generated decisions and approved or reconsidered them based on underwriting expertise.
- Collaborated closely with the engineering team to convert manual guidelines into system-based decision logic and validated accuracy through testing.
- Monitored automated underwriting performance metrics (accuracy, turnaround time, error rates) and adjusted rules as needed to improve results.
- Monitored the performance of automated systems and collaborated with engineers to refine rules to improve accuracy and compliance.
- Trained underwriters and staff on new automation systems, workflows, and best practices.
Medical Underwriter
Principal Global Services
Pune
10.2016 - 08.2023
1. Individual Underwriting (Foundational Work)
- Reviewed APS, lab results, diagnostic tests, and lifestyle factors to determine risk classification and premium rates.
- Evaluating applications based on Swiss Re Life guide and internal guidelines.
- Assessing life insurance applications medically, financially, and non-medically, including MVR (motor vehicle records), criminal records, financial records, etc.
- Utilized underwriting software and decision-support tools to ensure accurate and consistent risk assessments.
- Group underwriting.
- Underwrote group health, life, and disability plans by analyzing census data, claims experience, and risk factors.
- Assessed eligibility and risk exposure for employer groups of varying sizes and industries, ensuring appropriate coverage recommendations and competitive pricing strategies.
- Analyzed past claims patterns and utilization data to determine risk adjustments and negotiate renewal terms with clients.
- Audited medical underwriting and medical reviewer files to ensure compliance with guidelines, accuracy of risk assessments, and proper documentation.
- Identified errors and provided feedback and training to medical reviewers to strengthen decision-making quality.
- Prepared audit reports and supported process improvements to enhance overall underwriting and medical review quality and consistency.
Lecturer
Dwarika Sangamnerkar
Pune
05.2015 - 09.2016
- Taught theoretical, practical, and clinical nursing courses to undergraduate nursing students.
- Developed lesson plans, teaching aids, and skills lab demonstrations aligned with nursing curriculum standards.
- Supervised students during clinical rotations and evaluated competencies through exams and practical assessments.
- Provided mentorship, academic counseling, and individualized support to enhance student learning.
- Collaborated with faculty to ensure high-quality instruction and compliance with nursing education guidelines.
Registered Nurse
Deenanath Mangeshkar Hospital
Pune
08.2014 - 04.2015
- Delivered high-acuity critical care to cardiac/ post-operative cardiac surgery patients in the CICU.
- Interpreted hemodynamic data and managed advanced cardiac support devices (IABP, Impella, Swan-Ganz).
- Administered and titrated vasoactive, antiarrhythmic, and sedation medications.
- Collaborated with multidisciplinary teams to optimize patient outcomes.
- Educated and supported patients and families regarding cardiac care and recovery.
Education
Bachelor of Nursing - Nursing
BLDEA's Shri B.M.Patil Collage of Nursing Sciences
Bijapur07-2014
DMLT - Lab Technician
Certificate in Medical Laboratory Technology
Bijapur07-2010
11th And 12th - Science
KCP Science And SB Arts College
Bijapur03-2007
Skills
- Risk assessment
- Policy analysis
- Underwriting software
- Data evaluation
- Compliance auditing
- Group underwriting
- Process improvement
- Effective communication
- Team collaboration
- Attention to detail
- Training and mentorship
- Problem solving
- Strategic thinking
- Data interpretation
- Underwriting guidelines
- Underwriting Rules Familiarity
- Multitasking
Certification
LOMA FMLI level 1
Languages
English
Proficient (C2)
C2
Marathi
Native
Native
Kannada
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Medical Underwriter
Ethos Life
09.2023 - Current
Medical Underwriter
Principal Global Services
10.2016 - 08.2023
Lecturer
Dwarika Sangamnerkar
05.2015 - 09.2016
Registered Nurse
Deenanath Mangeshkar Hospital
08.2014 - 04.2015
Bachelor of Nursing - Nursing
BLDEA's Shri B.M.Patil Collage of Nursing Sciences
DMLT - Lab Technician
Certificate in Medical Laboratory Technology
11th And 12th - Science
KCP Science And SB Arts College