---
title: "Dhruvi Sonigara - Outreach Ambassador in Edinburgh | Tal"
description: "Meet Dhruvi Sonigara, Actuarial Analyst | IFoA Student Member | Solvency II & Matching Adjustments | MSc Actuarial Management, Heriot-Watt | Available August 2026 based in Edinburgh."
image: "https://tal.club/meet/dhruvi-3/share-image"
---

# Dhruvi Sonigara on Tal

## Headline

Actuarial Analyst \| IFoA Student Member \| Solvency II & Matching Adjustments \| MSc Actuarial Management, Heriot\-Watt \| Available August 2026

## About

I'm an actuarial analyst with 2\+ years of hands\-on experience in Solvency II valuation and Matching Adjustments at M&G Global Services \- part of M&G plc, one of the UK's leading insurance groups\. My work at M&G centered on asset data validation, UKGAAP and Solvency II MA calculations, and Python\-based process automation across the non\-profit annuity portfolio\. I've worked closely with development teams to strengthen actuarial controls and optimize BAU workflows\. I'm currently completing an MSc in Actuarial Management at Heriot\-Watt University \(Edinburgh\), covering SP2, SP7, SP8, SP9, CP1, CP2 and CP3 \- with IFoA exemptions expected upon graduation in August 2026\. I've also passed all Core Principles exams: CS1, CS2, CM1, CM2, CB1, CB2 and CB3\. I'm actively looking for Actuarial Analyst roles in General Insurance \- pricing, reserving or risk roles in the UK or Europe\. Available from August 2026\. Feel free to connect or message me directly\.

## Location

Edinburgh

## Work experience

Outreach Ambassador at Unitemps Heriot\-Watt University, Oct 2025 \- Present · 9 mos, Edinburgh, Scotland, United Kingdom

Senior Actuarial Analyst \- Valuation and Matching Adjustments at M&G Global Services Private Limited, Sep 2024 \- Aug 2025 · 1 yr, India, Led multi\-phase OAT\(Operational Acceptance Testing\) across the end\-to\-end MA pipeline \- spanning asset data validation, asset data calculations, MA hypothecation, UKGAAP yield calculation, monthly MA ready reckoner, and IFRS17 reporting \- testing each automated phase in isolation and in combination as it integrated with upstream steps\. Diagnosed logic failures in Python automation tools by reading source code and tracing errors to their root cause, providing the development team with precise, step\-level fault analysis that accelerated debugging and deployment\. Applies working Python knowledge to data workflows and analysis tasks\. Redesigned BAU monthly reporting workflows by identifying and eliminating redundant processes, reducing cycle time by \~20–30% and freeing team capacity for higher\-value analysis\. Delivered structured version\-control feedback on asset data systems, identifying control gaps and contributing to the resilience and auditability of Solvency II reporting infrastructure\.

Actuarial Analyst \- Valuation and Matching Adjustments at M&G Global Services Private Limited, Jan 2024 \- Sep 2024 · 9 mos, Maharashtra, India, Owned monthly maintenance and validation of c\.90% of UDA asset data supporting Solvency II Matching Adjustment and UK GAAP CDA assumption processes, ensuring accurate and timely BAU reporting each month\. Prepared and validated asset data for new BPA deals \(including Reno, Albatross, and Chime\) entering the Matching Adjustment portfolio, ensuring new business tranches were correctly integrated into the reporting cycle\. Built and maintained a team\-wide historical asset data override tracker, enabling systematic monthly logging and audit of all overrides; introduced validation controls on the overrides themselves, reducing override\-related errors in the reporting cycle and improving downstream result accuracy\. Converted a manual credit rating tool into a fully controlled MUDA, adding structured test documentation and enhanced validation checks that meaningfully improved accuracy of credit rating inputs into MA calculations\.

Actuarial Analyst \- FTC at M&G Global Services Private Limited, Jun 2023 \- Dec 2023 · 7 mos, Optimised legacy actuarial UDA files using Excel forensic analysis \- stripping redundant data, formatting, and accumulated bloat built up over years of use \- restoring file performance while preserving full actuarial integrity, and automating key steps to make files materially faster to operate in BAU\. Built two VBA/Excel tools used in live business processes: a resource tracker that reduced a 2\-day, 2\-person task to a few minutes for a single user; and a UDA cataloguing tool deployed during a company\-wide cloud migration, capable of scanning folders of 600–700\+ files, identifying every unique file, and mapping all duplicate locations and file paths to support centralised storage consolidation\.

Volunteer at Kotak Education Foundation, Aug 2021 \- Nov 2021 · 4 mos, Mumbai, Maharashtra, India

## Education

Master's in Actuarial Management, Actuarial Science, Heriot\-Watt University

Actuarial Science, Institute and Faculty of Actuaries

[View the original profile](https://tal.club/meet/dhruvi-3)

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