PROFESSIONAL SUMMARY

Results-driven insurance operations specialist with 11 years of comprehensive experience in Commercial Lines (EB and Non-EB), Motor, and Health Insurance. Proven expertise in streamlining processes, managing IRDA complaint resolution, and enhancing customer service to boost satisfaction and retention. Skilled in bank reconciliation and data analysis, leveraging strong conceptual knowledge of insurance products to optimize operational efficiency and compliance. Committed to delivering actionable insights and process improvements that drive business growth and regulatory adherence.

WORK EXPERIENCE

Deputy Manager Process Excellence
12/2023 - Present
Pbpartners a brand of Policybazaar Insurance Brokers Private Limited , Gurgaon
Led process improvements and system enhancements for the Payout Process (DMS), reducing processing time and strengthening control mechanisms to minimize errors
Spearheaded Virtual Relationship Manager (VRM) system upgrades, increasing connectivity and boosting sourcing efficiency, directly contributing to rise in business acquisition (Phoenix)
Designed and implemented Customer Relationship Manager (CRM)/Inbound Service Desk (PbpMitra) processes, enhancing partner engagement & experience and reducing response time
Developed and optimized the Health Renewal process, improving Renewal Agent efficiency , enhancing connectivity, and increasing renewal conversion rates (Phoenix)
Collaborated with Product and Tech teams to define business requirements and deliver innovative solutions, automating Partner Onboarding workflows and increasing backend team efficiency
Group Operations Manager
11/2022 - 12/2023
Aditya Birla Health Insurance Company Ltd , Mumbai
Led comprehensive accounts reconciliation for all corporate clients, ensuring accuracy and timely resolution of discrepancies, improving financial reporting reliability
Developed and automated Premium Register and Business MIS reporting processes, reducing report preparation time and enhancing data-driven decision-making
Managed stakeholder communications across TPA, brokers, and clients, resolving of queries within SLA, significantly boosting customer satisfaction
Spearheaded requirements gathering, business process analysis, and solution validation for multiple projects, facilitating seamless collaboration between technical and non-technical teams and accelerating project delivery
Deputy Manager Operations
05/2022 - 10/2022
Raheja QBE General Insurance Company Ltd , Mumbai
Led end-to-end motor policy issuance and endorsement reconciliation, reducing premium receipt discrepancies and enhancing financial accuracy
Spearheaded automation of retail health policy issuance and endorsement processes, cutting manual processing time
Collaborated with IT vendors to develop system enhancements that streamlined daily business booking and discrepancy MIS reports, improving stakeholder visibility and decision-making speed
Directed cross-functional teams across sales, IT, finance, and underwriting to resolve policy pendency issues, achieving compliance with internal audit standards and improving operational efficiency
Operations Manager
01/2014 - 05/2022
Reliance General Insurance Company Limited , Indore
Led the issuance, servicing, and quality assurance of commercial line policies, ensuring 100% compliance with company standards and reducing policy errors
Developed and executed motor and health insurance quote creation and policy issuance processes, increasing policy issuance efficiency and enhancing customer onboarding experience
Managed endorsement issuance and servicing for motor and health policies, streamlining workflows that decreased processing time and improved policy accuracy
Directed call desk operations tickets handling raised by internal stakeholder queries monthly, achieving reduction in ticket resolution time and boosting internal customer satisfaction
Oversaw central logistics for dispatching policy copies, renewal notices, cheque bounce letters, and NCB recovery letters, collaborating with courier services and printers to cut delivery errors and reduce monthly expenses
Spearheaded resolution of customer grievances and IRDA complaints by coordinating with health and motor claims teams, improving complaint resolution rates by 25% and elevating customer satisfaction scores
Partnered with cross-functional teams to optimize printing and dispatch provisioning, cost saving while maintaining timely document delivery
Handling Motor Claim documentation quality check and assessment preparation.
Co-ordination with payment gateway team as well as internal IT team to integrate internal system for auto payment tagging based on API response .
Co-ordination with payment gateway team for refund related issues.
Updating realization status of CMS Cheque and Cash received into the system.
Refund document checking and tracking Refund NEFT details.
Tracking and reprocessing of NEFT rejection Refund cases .
Led AML (PAN card) and CKYC verification processes at the proposal stage, enhancing compliance accuracy and reducing onboarding delays
Managed NACH and ACH activation workflows, ensuring 100% document quality checks and coordinating payment deductions with banking partners to streamline collections
Directed cheque bounce cancellation procedures, successfully representing return cheques and archiving physical copies with bank memos
Oversaw bank reconciliation across multiple accounts, achieving full closure of premium receipts and outstanding balances within stipulated timelines
Delivered high-quality customer service by resolving fund-related requests and complaints, improving customer satisfaction scores
Supervised and mentored a professional team of 25 employees, fostering skill development and enhancing operational efficiency
Acted as the single point of contact (SPOC) for fund mapping and payment-related queries, reducing resolution time
Coordinated effectively with diverse sales channels and verticals including Banca tie-ups (PSU, private, HFCS, NBCs), Agency, Health, Broking, and OEM to ensure seamless payment operations and communication

EDUCATION

Bachelor of Business Administration
07/2008 - 04/2011
University of Pune , Pune

SKILLS

Technical Skills: Insurance Policy Management, Financial Accounting (SAP FI Module), Accounting and Bank Reconciliation, Process Automation, Data Analysis, SQL, Reporting and Analytics
Soft Skills: Attention to Detail, Analytical Thinking, Critical Thinking, Problem Solving, Teamwork, Collaboration, Adaptability, Relationship Building, Communication
Tools: Genisys Configurator, P400, TCS BANCS, Healthbuzz, Smartzone, BMS, ICM, CRM, ICE, Phoenix, POSP, SAP ERP, Excel, Power BI
Other: Insurance Domain Knowledge, Customer Relationship Management, Financial Systems Expertise, Dialer Functionality, Insurance Certifications, System Automation, Process Excellence, Compliance Knowledge

PROJECTS

Real Time Dashboard
Technologies: React, Node.js, Apache Kafka, RESTful APIs, Event-Driven Architecture
Architected and developed a real-time employee activity tracking system leveraging event-driven architecture to capture login/logout times, on-call status, break periods, and detailed call metrics such as call count, talk time, and duration, enabling team leaders to perform live call barging and improve workforce management
Utilized Apache Kafka for high-throughput, low-latency event streaming to synchronize distributed microservices and ensure accurate, real-time time utilization analytics, reducing data processing delays by 40%
Led cross-functional collaboration to design and implement scalable RESTful APIs and interactive React dashboards, resulting in a 30% increase in monitoring efficiency and empowering operational teams with actionable insights
Partner Onboarding Journey Mobile Application
Technologies: OCR (Optical Character Recognition), RESTful APIs, Automated Data Validation
Initiated and led the end-to-end development of the Partner Onboarding Journey Mobile Application to streamline and automate partner onboarding processes, significantly reducing manual effort and errors
Integrated OCR technology and online API validations to automatically extract and verify partner documents and details, improving data accuracy and reducing onboarding time by over 40%
Collaborated closely with cross-functional teams including UX designers, backend engineers, and QA to ensure seamless user experience and robust validation workflows, enhancing partner satisfaction and adoption rates
Onboarding Calling Phoenix development
Technologies: Requirement Analysis, Solution Architecture, Automated Campaign lead Creation, Dialer Integration and Data Validation
Led end-to-end development of the Phoenix Onboarding Calling project, including requirements gathering, solution design, and cross-functional coordination with development teams to automate onboarding calls for new leads generated via marketing campaigns
Implemented processes to identify and resolve onboarding document discrepancies, improving partner data accuracy and accelerating partner activation timelines
Developed targeted outreach strategies for partner retention and re-engagement of lost partners, resulting in measurable increases in partner rejoining rates and overall retention
Health Renewal Phoenix Calling
Led end-to-end development of the Health Renewal Phoenix Calling system, implementing advanced calling buckets, dynamic filters, and prioritization algorithms to optimize partner outreach workflows
Designed and integrated a real-time pending renewal visibility dashboard, enhancing renewal team efficiency and increasing renewal conversion rates.
Collaborated cross-functionally with data analysts and sales teams to refine prioritization logic based on partner connectivity patterns, improving call success rates and partner engagement

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