Headline

Insurance Underwriter & Risk Analyst | P&C Specialist | Claims Management | 4+ Years Experience at Cognizant | Economics & BCA Graduate

About

I am a P&C Insurance Underwriter with over 4 years of experience, currently at Cognizant. I specialize in bridging the gap between risk analysis and claims resolution, maintaining 95% accuracy while handling 100+ applications monthly. My background in Economics and Computer Applications allows me to bring a data-driven, technical approach to risk evaluation. Expertise: Risk Analysis, Claims Investigation, Policy Issuance, and Client Coordination.

Location

Uttar Pradesh

Work experience

Underwriter at Cognizant, Apr 2021 - Present · 5 yrs 3 mos, India, • Managed a high-volume portfolio, analyzing and underwriting 100+ personal and commercial insurance applications monthly while ensuring strict adherence to compliance and regulatory guidelines. •Optimized operational efficiency by collaborating with agents and clients to streamline document collection, resulting in a 25% reduction in turnaround time. • Mitigated financial risk by investigating complex claims and delivering resolutions that balanced policyholder fairness with the minimization of loss exposure. • Delivered high-precision results, consistently maintaining over 95% accuracy in risk evaluations and policy issuances. • Championed quality control and professional development by leading internal audits and training new team members on underwriting standards and digital tools.

Senior Process Executive at Cognizant, Apr 2021 - Present · 5 yrs 3 mos, Recognized for dedication and strong performance in the Policy Issuance team, earning promotion to Senior Process Executive and entrusted with expanded responsibilities as an Underwriter in the Personal Lines P&C Underwriting team. Reviewed and processed personal lines P&C insurance applications every month — focusing on home and property policies — while maintaining a high accuracy rate in risk evaluation, exposure review, and policy issuance. Supported the review of complex homeowners and property policy cases by carefully reading policy terms, checking coverage details, and helping reduce financial risk for the organization across a large volume of managed applications. Identified potential risk exposures in home and property applications, flagged high-risk cases for further review, and recommended appropriate underwriting decisions to minimise loss for the organisation. Wrote clear underwriting guides, decision trees, and step-by-step processes that were used as training material for new joiners, helping them get up to speed faster. Explained complex risk and underwriting information in simple terms to non-technical teams, so they could make better decisions. Coached junior team members on how to review risks, follow underwriting standards, and meet quality targets, which improved overall team performance. Handled end-to-end policy issuance for home and property insurance applications, including converting new business submissions into active policies. Ensured all policy details were accurately processed, verified, and issued in line with underwriting guidelines and turnaround requirements.

Education

Bachelor of Arts - BA, Economics, Delhi University

Bachelors in Computer Application, Computer Software Engineering, Delhi institute of computer science