Sanjana Sinha
Gurgaon
Summary
Dynamic professional with extensive experience leading global underwriting support teams across Aviation, Marine, Property, and Casualty lines of business. Demonstrated expertise in Treaty and Facultative reinsurance for both assumed and ceded portfolios, with a strong track record of managing complex, high-volume submissions across North America, Bermuda, APAC, EMEA, and the UK.
Proven capability in end-to-end underwriting operations, including submission analysis, contract wording review, regulatory advisory support, financial strength and credit risk assessment using AM Best and S&P, and accurate execution of contract binding and post-bind activities. Recognized for leading process transformation initiatives, strengthening governance and controls, and driving operational excellence through automation, continuous improvement, and effective people leadership to deliver measurable improvements in accuracy, compliance, and operational visibility.
Overview
13
13
years of professional experience
Work History
MANAGER
AXA XL
Gurgaon
12.2014 - Current
- Led the reinsurance underwriting operations team, supporting multiple lines of business including Aviation, Marine, Property, and Casualty. Managed analysts, subject matter experts, and team leads, and handled both Treaty and Facultative reinsurance for assumed and ceded business.
- Managed end-to-end submission processing and analysis received from brokers and cedants across North America, Bermuda, APAC, EMEA, and the UK. Responsibilities included setting up submissions in pricing systems, analyzing contract wordings, advising underwriters on regulatory requirements, reviewing insurers’ financial strength and credit ratings using AM Best and S&P, and backfilling pricing tools in line with underwriting binding instructions.
- Executed contract binding activities by accurately capturing clauses, premiums, limits, retentions, referrals, funding and reserves, market rates, commissions, brokerage, sliding-scale commissions, claims and expense terms, and termination conditions into internal systems. Generated ledgers, obtained underwriting sign-offs, and managed workflows, document management, task allocation, SLA adherence, and overall team performance.
- Led the process transition for the Ceded Reinsurance function, establishing and aligning end-to-end underwriting, accounting, and credit control processes. Managed booking, cash application, and credit control activities, developed standard operating procedures, implemented robust controls, and prepared governance reports to ensure accuracy and regulatory compliance.
- Drove performance management initiatives, including workload allocation, mentoring, coaching, and professional development of team members. Conducted regular performance reviews to support continuous improvement.
- Recognized with an annual award for achieving operational excellence through continuous improvement initiatives, and effective team leadership.
- Delivered measurable improvements in data accuracy and operational visibility by leading process improvement initiatives and implementing automated reporting solutions.
PERSONAL BANKER
HDFC BANK LTD
Gurgaon
07.2014 - 12.2014
- Recruited for carrying out financial operations of the bank which included Cash withdrawal/deposits, fund transfers, booking fixed and recurring deposits.
- Also responsible for business development and achieving business sales targets.
SERVICE RELATIONSHIP MANAGER
AXIS BANK LTD
06.2013 - 07.2014
- Responsible for management of Wealth portfolio of Premium and High net worth customers of the bank.
- Carried out financial operations of the premium customers of the bank which included Cash withdrawal/deposits, fund transfers, booking fixed and recurring deposits.
Education
Post graduate diploma in management (PGDM) -
ISBM
Gurgaon01.2013
Bachelor of Business administration (BBA) -
Birla Institute of technology
01.2011
Skills
- People Management
- Reinsurance Underwriting Expertise
- Process Improvement
- Assumed & Ceded Reinsurance Expertise
- Stakeholder Management
- Continuous Improvement
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Six Sigma (Green belt)
- Multi-Line Reinsurance Expertise: Aviation, Marine, Property, and Casualty
- Submission Analysis, Risk Assessment, and Contract Review
- End-to-End Process Design, Transition, and Optimization
- operational excellence & process transformation
References
Available upon request.
Hobbies and Interests
- Travel
- Music
- Stock Market
Personal Information
Date of Birth: 12/26/90
Languages
- Hindi
- English
- Hindi
Accomplishments
Silver medalist - Stood at 2nd position in academic performance at university level (PGDM, ISBM Gurgaon)
Timeline
MANAGER
AXA XL
12.2014 - Current
PERSONAL BANKER
HDFC BANK LTD
07.2014 - 12.2014
SERVICE RELATIONSHIP MANAGER
AXIS BANK LTD
06.2013 - 07.2014
Post graduate diploma in management (PGDM) -
ISBM
Bachelor of Business administration (BBA) -
Birla Institute of technology