• Deal with commercial underwriting, monitoring and controls in the assigned region ensuring adoption of best practices and adherence to applicable processes and procedures. • Conduct detailed study of proposals for new business, determine acceptability of risk and control, restrict or decline insurance cover as per insurance guidelines.• Evaluate the renewal portfolio adhering to approved processes and recommend renewal/appropriate changes to obtain best terms of business.• Formulate guidelines covering underwriting related factors for development and/or modifications of new credit insurance products.• Structure complex commercial contractual agreements with clients utilizing detailed checklists to ensure coverage of all key terms and risks.• Monitor performance related to commercial risk profile of all accounts in the portfolio and implement action plans to assure long term quality and profitability of the portfolio.• Coordinate with top accounts and participate in mapping customer profile, risks, insurance requirements and ensure management of relations to deliver win-win outcomes. • Review and evaluate policies underwritten by the sales and commercial team ensuring compliance with all applicable Euler Hermes rules and guidelines.• Actively support the sales team in achieving their sales targets by providing assistance in pricing of new business and while maintaining compliance with underwriting requirements.• Maintain sound knowledge of the company’s products as well as underwriting rules and guidelines and provide required commercial technical underwriting training to sales team and business partners.• Produce periodical commercial reports as well as various ad-hoc reports as required by the management

• Managed end-to-end process of handling assigned complex claims from initial file review, through investigation and determination of liability, negotiations and settlement to litigation management.• Coordinated with the team leader for effective vendor and litigation management of assigned complex claim cases to minimize vendor and legal expenses.• Conducted enquiries related to assigned complex claims to determine coverage, quantum analysis and assessment of legal liability within the delegated limits of authority.• Assured on time, accurate and customer-focused claim resolution to minimize indemnity exposure while delivering a high standard of customer service.• Maintained effective communications with key internal stakeholders across lines of business (LOB) for resolution of issues related to the portfolio of complex claims.• Ensured financial control through good judgment and by adopting a disciplined approach to financial transactions as well as by adhering to all company policies and procedures.• Sustained required standards of technical claims competence ensuring accurate and consistent policy interpretation related to moderate to complex claims.• Participated in Quality Assurance Review processes and provided feedback and support to achieve continuous improvement in handling of claim files.• Contributed to the adoption and maintenance of procedures for handling complex claims aligned to current global best practices.

• Dealt with insurance proposals for commercial lines of business conducting reviews and analysis to determine acceptability and decide on appropriate action – control, restrict or decline – according to approved insurance guidelines.• Reviewed the renewal portfolio exercising required due diligence and controls and recommended best terms including appropriate changes to the insurance policy.• Maintained up-to-date information with the current policies, rates and procedures and advised agents, staff and insured on coverage, rules, forms and explained decisions.• Provided overall oversight to the management of claims processes and attended to claims of key customers as and when required.• Participated in the formulation of annual business and operational plans of the Underwriting Department facilitating delivery of departmental development goals.• Monitored all departmental operations assuring consistent achievement of predefined quality of service and productivity standards.• Coached and provided required product knowledge and insurance technical information to new and existing operational and sales staff and agents.• Dealt with communications with insured including handling of correspondence, responding to enquiries over phone and in person as well as tendering advice to all levels in the client organization.• Established and sustained strong productive collaborative relations with all stakeholders including key accounts, client, insurers and internal departments.• Participated in insurance seminars representing the company and delivered training programs on insurance products and services.• Contributed to the pre-assessment of risks of prospective clients as and when assigned by the management/supervisors and ensured completion due diligence as per risk mitigation policies of the company.• Prepared and delivered presentations and coverage proposals to existing and prospective clients as art of new business development/renewal process.

Underwriting Department (Commercial Lines)Direct Business Responsible in the evaluation and acceptance of all insurance queries.  Prepares Quotation Slip/Broker Slip to the insurance companies. Proper coordination with the client and to the insurance company to obtain complete and accurate underwriting information in order to carry out proper risk assessment. Ensure proper negotiation with the insurance company and to the client in order to meet the client’s needs. Review and ensure accuracy of the contents of the policy documents. Ensure accuracy in the processing and posting of the policies and endorsement. Review and maintain an updated records Analyze all insurance claims reported and determine extent of insurance liability and if within the framework of the policy. Review and evaluate data stipulated in the form as well as the authenticity of the claim documents for smooth process. Attend to survey if necessary. Negotiate a fair settlement of claim.

Supported clients in processing claims related to commercial lines across all stages from analyzing incidents throughcollating documents, filing claims to achieving fair settlement for clients. Evaluated incidents against applicable insurance policies and advised clients on whether and when to make claims on theirpolicies. Reviewed all claim related documents and submittals ensuring accuracy and completeness as well as compliance with theframework of policy conditions. Monitored processing of claims across all stages assuring adherence to stipulated timeframe and deadlines as per policyterms and conditions. Coordinated with insurers provided required clarifications and additional documents required to substantiate claims incoordination with clients and negotiated fair settlement with insurers. Reviewed all claims rejected by insurers and advised clients on effective follow-up measures including appeal, litigation aswell as modifications to policies. Tracked emerging trends in insurance related to commercial lines and provided required advisory to clients to improveeffectiveness and adequacy of their insurance covers for various risks.