---
title: "Saurav Kumar - Associate Director in Jharkhand | Tal"
description: "Meet Saurav Kumar, Associate Director, Auto @ Acko | Business Strategy & Transformation | P&L, Pricing & Product | AI/ML | Cross-functional Leadership based in Jharkhand. AI stack includes claude code, claude, and hugging face."
image: "https://tal.club/meet/saurav-kumar-24/share-image"
---

# Saurav Kumar on Tal

## Headline

Associate Director, Auto @ Acko \| Business Strategy & Transformation \| P&L, Pricing & Product \| AI/ML \| Cross\-functional Leadership

## About

Business Strategy & Transformation leader with 8\+ years of experience across insurance, analytics, AI/ML, pricing, product and operations\. Currently at Acko, where I work on Auto business strategy across Car and Bike, spanning P&L, pricing, risk, portfolio optimisation and product strategy\. My role sits at the intersection of business, data and technology — translating portfolio problems and market signals into strategy, experiments and scalable execution\. Previously at ICICI Lombard, I led Motor Claims Innovation & Strategy, building and scaling AI/ML\-led decision systems, automation, digital products and customer\-experience interventions\. The work involved taking complex business problems from diagnosis and business case development through cross\-functional execution and production deployment\. Across my career, I have worked on problems spanning: Business Strategy \| P&L & Pricing \| Product Strategy \| Business Transformation \| Risk & Analytics \| AI/ML \| Customer Experience \| Process Excellence I enjoy solving ambiguous problems, bringing structure to complex decisions, and working with Product, Data Science, Technology, Operations and business leadership teams to turn strategy into measurable outcomes

## Location

Jharkhand

## AI stack

claude code

claude

hugging face

openai

## Work experience

Associate Director at Acko, Mar 2026 \- Present · 6 mo, Bengaluru, Karnataka, India, 1\. Lead Auto business strategy across Car and Bike portfolios, spanning Fresh, New and Renewal businesses with focus on P&L, pricing, risk and product levers\. 2\. Drive pricing strategy and portfolio optimisation using cohort, margin, churn and risk segmentation, supported by controlled experimentation\. 3\. Lead competitor benchmarking and market\-positioning strategy, evaluating price, conversion, premium and loss\-performance trade\-offs\. 4\. Partner with Data Science on risk estimation and ML engines, including claim\-frequency and severity models, calibration and loss\-development frameworks\. 5\. Own product strategy for new plan tiers and deductible variants, working across Product, Technology, Data Science and Operations from design through post\-launch monitoring\.

Assistant Vice President at ICICI Lombard, Jul 2022 \- Feb 2026 · 3 y 7 mo, Mumbai, Maharashtra, India, Driving digital transformation, ML\-led decisioning, and customer experience enhancements for India’s largest motor claims portfolio\. Lead cross\-functional initiatives with Product, Tech, Data Science, Claims, Underwriting, and CX teams\. Key Impact: • Built an ML\-based Garage Benchmarking Model, improving claim hygiene and delivering ₹3 Cr/month savings\. • Designed an OCR \+ AI Part & Labour Standardization Engine, strengthening severity estimation and reducing manipulation\. • Developed Multi\-layer Fraud Propensity Models & Risk Algorithms to improve triaging and underwriting discipline\. • Created a Premium Impact Simulator, improving customer decisioning and renewal outcomes\. • Launched a DIY WhatsApp Claim Journey, reducing TAT through end\-to\-end automation\. • Implemented Voice Analytics & LLM\-based NPS Theme Models for automated VOC insights and performance improvement\. • Built a Garage Recommender System improving repair predictability and customer experience\. Focus Areas: AI/ML in Claims \| Pricing & Underwriting Inputs \| Digital CX \| Risk & Fraud Models \| Automation \| Cross\-Functional Leadership

Assistant Manager, Analytics and Process at Tata Steel, Sep 2018 \- Jul 2020 · 1 y 10 mo, kalinganagar, odisha, Optimized specific energy consumption and developed data\-based decision\-making systems for Utilities and Power Systems via \-Successfully achieved cost savings of 1\.6 Crores through the implementation of low\-grade energy utilization projects, demonstrating a strong financial impact on the organization \-Spearheaded the development of an operational risk\-based system for predicting utility requirements, significantly improving resource allocation and cost\-efficiency \-Successfully achieved cost savings of 1\.6 Crores through the implementation of low\-grade energy utilization projects, demonstrating a strong financial impact on the organization \-Played a pivotal role in reducing client quality complaints by 200% through the implementation of predictive analytics, enhancing customer satisfaction and product quality \-Led a team in automating MIS reporting and incorporating predictive risk parameters \-Introduced a data lake system for creating interactive Power BI dashboards, improving data visualization and management reporting \-Exceeded Power generation target by 3\.4% & 5\.6% in FY’20&21 leading to savings of 1\.5 crores

Assistant Manager at VEDANTA LTD, May 2016 \- Aug 2018 · 2 y 3 mo, jharsuguda

## Education

PGP, MBA, Indian Institute of Management, Ranchi

Bachelor's degree, Mechanical Engineering, BIT Sindri

[View the original profile](https://tal.club/meet/saurav-kumar-24)

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