Summary
Overview
Work History
Education
Skills
Accomplishments
Software
Certification
Timeline
Generic
Sachin Pal

Sachin Pal

Senior Manager-AI Insurance Consulting
kolkata

Summary

Experienced Strategic Technology Consultant in the Banking and Insurance domain, specializing in AI-driven underwriting automation, risk scoring, and regulatory modernization. Delivered strategic guidance on AML/KYC modernization, onboarding optimization, and vendor evaluation. Brings strong expertise in TCS BANCS, digital transformation, process optimization, cost control, and delivery across Agile and Waterfall methodologies. Highly analytical problem-solver recognized for building trusted relationships and driving results in complex, fast-paced environments

Overview

13
13
years of professional experience
4
4
Certifications

Work History

Senior Manager-AI Insurance Consulting

LTIMindtree
11.2024 - Current

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.

Senior Manager/Technical Analyst

ICICI Lombard
08.2023 - 11.2024
  • 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.

Senior Business Analyst

Wipro Technologies
05.2023 - 08.2023
  • 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

Business Consultant

Tata Consultancy Services
03.2015 - 04.2022

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.

Software Developer

Tata Consultancy Services
03.2013 - 02.2015
  • 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

Education

MBA - General Management

IIM Lucknow-Full Time
Lucknow, India
02.2023

MBA - Negotiation,Innovation, Intercultural Management

Ieseg School of Management-
France
09.2022

Bachelor of Technology - Electronics And Instrumentation

Techno India Salt Lake
Kolkata
08.2013

Skills

  • Business process mapping
  • Strategic planning
  • Predictive modeling
  • Negotiation
  • Python programming
  • SQL and databases
  • Project Management
  • Release planning
  • Technology Consulting
  • Machine Learning
  • Gen AI
  • Gap analysis
  • Scrum methodology
  • AML/KYC/CDD process
  • IT vendor management
  • Framework improvements

Talent development

Accomplishments

  • “Client Appreciation” for providing innovative cost-effective cloud-based Account Verification system worth $4M+
  • Awarded “On the Spot Award”,” Star Team Award” multiple times for exceptional performance at work.

Software

Python

Azure Data Foundary

Databricks

MLOPS

Certification

Six Sigma from Udemy

Timeline

AML/KYC/CDD basics

02-2025

Senior Manager-AI Insurance Consulting

LTIMindtree
11.2024 - Current

Senior Manager/Technical Analyst

ICICI Lombard
08.2023 - 11.2024

Senior Business Analyst

Wipro Technologies
05.2023 - 08.2023

Agile Project Management from LinkedIn Learning

11-2022

Cloud Computing Basics from Linkedin Learning

09-2022

Six Sigma from Udemy

07-2021

Business Consultant

Tata Consultancy Services
03.2015 - 04.2022

Software Developer

Tata Consultancy Services
03.2013 - 02.2015

MBA - General Management

IIM Lucknow-Full Time

MBA - Negotiation,Innovation, Intercultural Management

Ieseg School of Management-

Bachelor of Technology - Electronics And Instrumentation

Techno India Salt Lake
Sachin PalSenior Manager-AI Insurance Consulting