Sachin Pal

AI-Powered Underwriting Automation

• Designed and delivered an AI-driven underwriting automation platform for a U.S.-based insurance brokerage firm, focusing on fitment validation, risk appetite scoring, and winnability prediction for commercial property submissions.
• Translated manual underwriting guidelines and checklists into configurable, rule-based Fitment Engines, Risk Appetite Scoring models.
• Supported the development of a machine learning-based winnability (likelihood-to-bind) model, enabling underwriters to prioritize high-probability submissions and improve conversion rates.
• Defined end-to-end underwriting decision flows, integrating data quality checks, occupancy mapping, eligibility screening, appetite scoring, and underwriter-ready summaries.
• Delivered business artifacts, including rule catalogs, scoring calculators, business flow diagrams, and executive presentations, to support Point of View and phased rollout.
• Enabled a 40–60% reduction in manual underwriting effort by eliminating non-fit risks early and standardizing appetite evaluation.
• Acted as a bridge between business, underwriting, and engineering teams, ensuring solutions were business-first, regulator-ready, and scalable.

KYC/AML Modernization & Compliance Strategy Vendor Selection, RF
I Management & Technology Strategy Leadership, Stakeholder Management & Continuous Improvement

• Led transformation of KYC/CDD processes by designing scalable client lifecycle management systems tailored to complex institutional onboarding requirements.
• Conducted detailed fit-gap analyses aligning vendor offerings with internal MMC technology architecture and strategic priorities.
• Performed “build vs buy” analysis, including cost modeling and effort estimation for internal development versus external procurement.
• Identified “buy” areas not met by internal stack, and recommended hybrid deployment strategies to bridge platform gaps.
• Collaborated with advisory partners to identify core capability requirements and define process improvement areas using future-state mapping.
• Created weighted scoring models and vendor evaluation grids assessing functional/non-functional fit, data privacy, integration ease, and commercial feasibility.
• Provided executive-ready deliverables and board-level presentations to communicate evaluation outcomes and investment rationale.
• Managed end-to-end RFI/RFP lifecycle, including drafting, vendor communication, requirements clarification, and final recommendations.
• Enabled automation of onboarding and compliance workflows for high-risk entities (PEPs, SOEs, UBOs), achieving up to 50% reduction in due diligence processing time.
• Integrated third-party data feeds (e.g., sanctions, adverse media, corporate registries) to support real-time risk scoring and client profiling.
• Developed end-user dashboards to present onboarding KPIs, SLA tracking, and client health analytics to executive stakeholders.
• Partnered with legal and compliance functions to embed jurisdiction-specific regulatory rules into configurable onboarding engines.
• Acted as a strategic advisor, coaching cross-functional teams on onboarding best practices, regulatory requirements, and technology enablement.
• Fostered inclusive working environments across tech, compliance, and business teams to enable rapid execution and knowledge sharing.
• Designed post-implementation review frameworks to measure realized benefits, client satisfaction, and operational efficiency over time.

• Managed transformation project and introduced new systems, tools, and processes to achieve challenging objectives.
• Executed AI-based automation in underwriting STP/NSTP cases,transforming operations for the Retail Health Insurance product.
• Proficient in defining and articulating clear program and project scopes and objectives in project charter.
• Proficient in tracking project activities and milestone completion, with a focus on early identification and escalation of variances to the project plan.
• Technical analysis of requirements ,liaisoning with Project Stakeholders to incorporate product features, delivering end to end solution
• Spearheaded API integration initiatives, enhancing system interoperability and data flow across platforms.
• Utilized advanced SQL queries for data analysis, reporting, and to support decision-making processes.

• Collaborated with senior management to create comprehensive product plans and roadmaps, ensuring alignment with business objectives and market demands.
• Tracked and enhanced product adoption and impact on end users, leveraging data analysis to identify opportunities for improvement and growth.
• Managed escrow account application end to end in red hat open shift platform to accommodate 30% customer base expansion

Digital Transformation

• Reduced accident vehicle inspection costs by 25% in Motor Insurance by integrating AI based API in mobile app for motor insurance
• 30% improvement in P&C Home Owner Cover policy processing time by replacing legacy systems with TCS BaNCS single enterprise
• Introduced cloud-based account verification, by removing manual authorization, and reducing claim TAT by 50%
• 40% reduction in pending working items by implementing auto work allocation dashboard solution in Power BI.
• Product lifecycle management, overseeing product ideation, development, launch, and post-launch activities of HOC policy

Team/Project Management

• Led cross-functional team, managed deliveries of Release/CR to streamline business and technology alignment
• Liaised between Client and Project Stakeholders to incorporate product features, delivering end to end solution.
• Daily and Weekly status reporting to stakeholders, conducted Scrum Ceremonies as professional Scrum Master

Process Improvement/Business Development

• Performed testing to assess product effectiveness, alignment with designed purpose and adaptations for other purposes.
• Collaborated with Product Owners to optimized test cycle by 20%, establishing standards for accessibility testing
• Assisted in drafting and editing proposals, ensuring compliance with RFP specifications and brand standards.
• Won $5.7M project by presenting POC in property and casualty and expanding market share in South Africa
• Analyze RFP requirements to develop comprehensive response strategies that align with client needs and company capabilities..

Cost Control

• Reduced cost by 21% and improve client satisfaction to 96%, by improving payment process using DMAIC technique
• Optimized non-compliance audit cost by 12%, by designing compliance checklist to monitor project risks
• Improved regular analysis efficiency by 45% and reduced errors by 18% by analyzing project financial report
• 50% reduction in QA efforts by automating data preparation activities leading to ~18k USD of cost savings
• Instrumental in cost savings of $40k by Identifying business use cases and ensuring minimal defect leakage.
  

• Integrated IBM Trusteer antimalware solution for detection of Man-in-the-Browser (MiTB) malware to protect users from fraud and phishing attacks and leading to ~$72k USD of cost savings.
• Documented technical workflows and knowledge to educate newly hired employees.
• Developed clear specifications for project plans using customer requirements.
• Documented technical workflows and knowledge to educate newly hired employees
• Conducted data modeling, performance and integration testing
• Developed product documentation to communicate upcoming features and products to internal teams