Rajitha Menon
SENIOR MOTOR UNDERWRITER
Dubai
Summary
A highly skilled Senior Motor Underwriter responsible for assessing, evaluating, and managing motor insurance risks to ensure profitability and compliance with underwriting policies. This role involves analyzing risk factors, determining appropriate premium rates, and making informed underwriting decisions while balancing business growth and risk exposure.
Overview
13
13
years of professional experience
3
3
years of post-secondary education
Work History
Senior Officer
Adamjee Insurance Co
02.2024 - 02.2025
- Evaluate motor insurance applications, assessing risks based on factors such as driver profile, vehicle type, and claims history.
- Determine appropriate premium rates, coverage terms, and policy conditions.
- Ensure underwriting decisions align with company policies and regulatory standards.
- Review and approve policy renewals, endorsements, and cancellations.
- Monitor underwriting performance and adjust guidelines to maintain portfolio profitability.
- Ensure accuracy in policy documentation and adherence to service level agreements (SLAs).
- Work closely with agents, brokers, and sales teams to drive business growth.
- Provide technical underwriting support and training to junior underwriters.
- Maintain strong relationships with clients and intermediaries.
- Stay updated with market trends, industry regulations, and emerging risks.
Team Leader - Insurance Analyst
Oman Insurance Company
02.2020 - Current
- Assisting brokers with queries related to motor insurance process
- Underwriting, providing best premiums to OIC external partners
- Training new joiners on Underwriting guidelines and insurance
- Renewal retention management for all motor insurance policies
- Assisting manager with reports for daily weekly monthly dashboards
- Preparing and managing SOP's with timely review
- Managing High Net Worth portfolio for approvals and services
- Supporting to manage a team of 14 to keep up with daily inbound calls, Service level and abandoned rate
- Monthly review calls with Brokers on service satisfaction
Team Manager
Capgemini India Pvt Ltd
06.2016 - 03.2017
- Order Management - Timely recording of orders from end customer and move them for delivery
- Enabling Process improvements
- Month end and year end closing
- Operational calls with Client on the weekly and monthly progress
- Data gathering and presentation during client visits
- Cash application - Direct debits, Credit card and cash application to the customer accounts via SAP
- Weekly updation/preparation of Ageing reports
- Emailing the Ageing report to collections team and customer master data team
Process Trainer
Wipro BPS
02.2015 - 06.2016
- Training manual preparation for the accounts receivables team across various preparation of Wipro clients
- Training need identification, analysis & implementation for better productivity Delivering training on various accounts receivables process beginning Order to Cash application
- Publish various training reports
- Collections call monitoring and support
Team Leader
Xerox India Pvt Ltd
08.2012 - 02.2015
- Application of Cash on a daily basis for European & Asia Pacific based Customers on ERP(SAP,Sage,CMS)
- Preparing and emailing statement of accounts to customers on a timely manner
- Review of inter company netting
- Daily, weekly and monthly reconciliation of AR and respective GL accounts
- Comprehensive SOA prepared and send across to the customers and vendors
- Collaborating with the General Ledger team on the daily reconciliation of the interim accounts
- Monthly reconciliation sign off and closing
- Weekly call with the client on the Unallocated cash report
- Generate performance report
- Assist the Manager in Unallocated status and the overall performance of the team
Education
Bachelor of Commerce -
Mercy College
03.2004 - 03.2007
Skills
- Ability to Work in a Team
- Customer Service
- Communication Skills
- Microsoft Office
- Leadership
- Motor Insurance Underwriting
- Risk Assessment
- Policy Issuance & Renewal
- Premium Calculation
- Claims Analysis
- Fraud Detection & Prevention
- Risk Mitigation
- Policy Endorsements & Cancellations
- Underwriting Guidelines
- Regulatory Compliance
Timeline
Senior Officer
Adamjee Insurance Co
02.2024 - 02.2025
Team Leader - Insurance Analyst
Oman Insurance Company
02.2020 - Current
Team Manager
Capgemini India Pvt Ltd
06.2016 - 03.2017
Process Trainer
Wipro BPS
02.2015 - 06.2016
Team Leader
Xerox India Pvt Ltd
08.2012 - 02.2015
Bachelor of Commerce -
Mercy College
03.2004 - 03.2007
Similar Profiles
Naveed AhmadNaveed Ahmad
Motor Underwriting at Adamjee Insurance Co. LtdMotor Underwriting at Adamjee Insurance Co. Ltd
Robin RappaiRobin Rappai
Operations & Key Account Manager at Adamjee Insurance CompanyOperations & Key Account Manager at Adamjee Insurance Company
AZEEM UDDIN HASHIMAZEEM UDDIN HASHIM
Assistant Vice President, Insurance Underwriting and Claims Department at Jubilee General Insurance Company LimitedAssistant Vice President, Insurance Underwriting and Claims Department at Jubilee General Insurance Company Limited