Manage P&L for international travel insurance portfolio. Deal with the complex world of travel insurance regulations, claim patterns, and local practices. My responsibilities include portfolio management, exposure management, pricing, and product development for individual accounts as well as large portfolios. I’m also responsible for managing underwriting governance which includes, underwriting guidelines, delegation of authorities, and audit activities.

- Responsible for managing UW P&L of a $100M+ travel insurance portfolio. - I focus on product design and pricing for new accounts and profitable renewal of the existing portfolio. - - Develop new, innovative ways to grow the top line and increase profitability via product design and new pricing structures. - Responsible for developing the data science/analytics department, Power BI dashboards, and actionable intelligence. Key Accomplishments:• In 2022 successfully renewed all large accounts in the portfolio, resulting in 7% weighted average rate increase and a 2.5% commission reduction.• Designed and developed an analytical package to evaluate underwriting performance and trends for the travel, disability, and A&H portfolio.• Established and built an underwriting analytics team to support P&L growth and profitability.• Increased top line by $19M in new business, in 1.5 years.• Implemented a new, innovative rate structure for custom accounts.

- Responsible for Leisure Travel and Direct Marketing ANZ P&L- Pricing: - Re-pricing existing individual accounts (Airlines, NAC, White-label) - Adjusting actuarial curves at risk factor level (Age, Destination, Duration, Lead time, etc) - Ensuring that the final price is competitive in the market and achieves a satisfactory profit margin - Develop pricing for new business opportunities- Portfolio & Account Management - Monitor exposure (policy count) mix at portfolio and account level - Take rate actions if exposure mix shows adverse trends in high-risk categories such as "Age" and/or "Destination" - Monitor portfolio & account loss ratio, expense ratio, acquisition ratio and combined ratio - Develop new products, adjust established wordings, develop new pricing strategies to improve the profitability of the portfolio - Work with local and global actuaries to develop the new regional pricing model - Work with claims department in order to track claim trends and monitor large losses- Revenue Maximization: - Monitor key rev max metrics such as conversion rate and yield per quote - Take rate action based on the aforementioned metrics, if the conversion rate is high: rates are marginally increased if the conversion rate is too low and the LR permits, rates are marginally reduced - Conduct A/B testing to establish optimal pricing point- Mentor and assist in the development of team members professionally and work to ensure the sound performance of their responsibilities

• Perform account analysis based on various financial indicators, such as loss ratio, F&S, claim types and sector analysis. Identify profitable and underperforming sectors within specific accounts, such as destination, duration, etc. Based on this analysis I propose price changes as well as other underwriting actions• Review leisure travel and digital referrals from Latam, Europe, and Asia Pacific• Underwrite various leisure travel business opportunities, such as Airlines, NAC, Online Travel Agents, Traditional Travel Agents, etc.• Develop pricing for medium and large accounts based on frequency and severity analysis as well as other rating factors• Conduct portfolio analysis, by reviewing profitability of each account as well as the exposure of the travel book• Work with regional and local teams on underwriting practices• Developed underwriting guidelines for Leisure Travel business• Improved data quality to ensure that claims and individual policy data are properly consolidated on various accounts

• Managed multi-regional and multi-line business intelligence projects involving analytical platforms (COGNOS & QlikView) and data warehousing (Netezza)• Developed a long-term business intelligence roadmap for international claims department with 3,000+ staff• Managed a team of analysts in home office and coordinated work of regional business analysts centrally• Established a strategic claims data mart and developed claim metrics which are utilized by claim management to monitor global activities• Presented analytical capabilities of Chubb international claims to potential multinational clients• Ensured that tactical projects strategically aligned with organizational objectives by organizing and hosting business intelligence steering committee with global senior management• Assisted senior management with building a business case for a rollout of a new claim system across Europe and Asia Pacific.• Responsible for planning and executing global claims data quality improvement projects. Improved claims data quality for European commercial property from 43% compliance to 95%• Provided claim analytics to following claim functions: Quality Assurance, Vendor Management, Recoveries and fraud

• Produced a managerial reporting package to senior management, analyzed claim trends and conducted in-depth analysis on large losses• Conducted cause of loss analysis and provided guidance to claims and underwriting management• Built business cases, conducted cost-benefit analysis to obtain funding for business intelligence projects• Responsible for international Catastrophe reporting for senior claims management• Worked on improving claims data quality globally, in front-end systems as well as in data warehouse

• Responsible for conducting P&L analysis and present variances to senior management of WorldSource• Consolidated and analyzed monthly production forecasts from multiple regions, presented results to management• Under strict deadlines, I prepared 3 versions of the yearly budget for Chartis Insurance.• Analyzed various ad-hoc reports, improved financial reporting by locating inconsistencies between two reporting systems• Consolidated expenses from various reports and allocate them to corresponding profit centers.• Examined differences in commission ratios year-over-year, computed financials that make up the ratios and presented written variance analysis to the management• Prepared income statements and revenue reports for branches in Europe and Japan