Headline

Sales & Distribution strategy , Digital Transformation, Underwriting

About

Insurance professional with 15+ years of experience in health underwriting, medical screening, claims management, and digital transformation. Proven success in driving operational efficiency, scaling digital journeys, and leading cross-functional teams across Reliance General, Aditya Birla Health, Bajaj Allianz, and MD India TPA. Recognized with multiple awards for performance and innovation, I specialize in data-driven strategy, automation, and customer-centric solutions that enhance underwriting, retention, and overall business outcomes. Passionate about leveraging technology to transform insurance operations and deliver superior results.

Location

Mumbai

AI stack

antigravity

codex

Work experience

Chief Manager - Strategy at IndusInd General Insurance, May 2024 - Present · 2 yrs 4 mos, Mumbai, Driving strategic initiatives to optimize underwriting performance and agent segmentation. Leading digital dashboard development (Power BI) for sales management, monitoring budget vs. achievement, and analyzing loss ratios to support business growth and retention.

Senior Manager at Aditya Birla Health Insurance Company Limited, Mar 2021 - Jun 2024 · 3 yrs 4 mos, Thane, Maharashtra, India, Led digital MER, Tele MER, and counter-offer journeys to streamline underwriting. Automated processes to reduce errors and improve efficiency, coordinated cross-functional teams to cut issuance turnaround times, and managed vendor integration and audits. Recognition: Twice awarded Best Performer (Rancho Award) by CEO.

Deputy Manager - Agency Health Vertical at Bajaj Allianz General Insurance, Oct 2017 - Mar 2021 · 3 yrs 6 mos, Pune, Maharashtra, Scaled digital policy login from 5% to 95%, designed incentive and commission structures, and strengthened agent onboarding/licensing. Delivered renewal retention support and conducted detailed loss ratio analysis across multiple parameters. Recognition: Care Super Heroes Award from MD & CEO.

Manager at MDIndia Healthcare Services (TPA) Pvt. Ltd., Jan 2016 - Oct 2017 · 1 yr 10 mos, Pune, Maharashtra, India, Managed hospital and diagnostic center empanelment, responded to RFQs, and acquired new business for medical check-ups. Developed SOPs, trained teams, and improved SLA/TAT compliance to enhance operational efficiency.

Assistant Manager at Ideal Insurance Brokers Pvt. Ltd., Mar 2015 - Jan 2016 · 11 mos, Mumbai, Maharashtra, India, Prepared RFQs for GMC and GPA proposals, negotiated with insurers, and delivered comparative quotes to clients. Oversaw client servicing for endorsements and claims, ensuring smooth policy administration.

Education

Post graduate diploma in Insurance, National Insurance Academy

B.Pharm, Science, S.V.P.M's College Of Pharmacy Malegaon(BkII) Baramati