Prabhat Kumar Sharma

CEO

Mumbai, Maharashtra, India17 yrs 5 mos experience

Most Likely To SwitchAI Enabled

Key Highlights

17 years of experience in actuarial roles across multiple countries.
Expert in GLM-based pricing models and portfolio management.
Proven track record in driving profitability through data-driven insights.

Stackforce AI infers this person is a seasoned actuarial professional specializing in insurance pricing and portfolio management.

Contact

Skills

Core Skills

Actuarial PricingPortfolio ManagementActuarial ConsultingPredictive AnalyticsActuarial Reserving

Other Skills

ActuarialActuarial Loss ReservingActuarial Product Design & Pricing StrategyActuarial ScienceAdvanced Actuarial ModellingAnalysisAnalytical SkillsAnalytical SupportAnalyticsAnalytics PlatformsClaim AnalysisClaim InvestigationClaims Development Factor AnalysisData AnalysisData Preparation

About

I am a tech-savvy actuarial professional with over 17 years of experience across General Insurance (GI/P&C) markets in India, the UK, and the US. I bring a proven track record in building and scaling actuarial pricing and underwriting frameworks, implementing robust and scalable portfolio monitoring systems, and driving advanced loss reserving at granular sub-segment and regional levels. I am also well-versed in navigating complex regulatory environments to manage product filings and secure approvals across a diverse range of insurance products—including Motor, Health, Personal Accident, Property, and Crop. My strength lies in converting complex data into strategic business value through predictive actuarial models and actionable insights. Currently, I serve as Vice President at SBI General Insurance, where I lead a high-performing, results-driven portfolio management team. My responsibilities include the development and deployment of GLM-based pricing models, real-time risk scoring for Motor and Retail Health lines, and driving agile repricing strategies to enhance profitability. I thrive at the intersection of data, product, and business—working closely with underwriting, distribution, and technology teams to deliver scalable, compliant, and market-ready insurance solutions. With this foundation, I am well-positioned to contribute meaningfully to the strategic growth and innovation of a modern, tech-enabled general insurance company.

Experience

Sbi general insurance

Lead - Actuarial Pricing and Portfolio Monitoring

Nov 2016 – Present · 9 yrs 4 mos · Mumbai Area, India

Led project based cross-functional teams across actuarial pricing, reserving, underwriting, strategy, analytics, and portfolio performance management for Motor, Health, and Commercial insurance lines.
Formulated dynamic pricing strategies for both retail and corporate segments, driving balanced growth in top-line and profitability.
Spearheaded actuarial pricing and end-to-end IRDAI product filings for Motor, Health & PA, Crop, and Fire products, ensuring compliance and market competitiveness.
Delivered monthly and quarterly portfolio reviews with data-backed recommendations, including GLM-based repricing, resulting in measurable improvements in loss ratios.
Oversaw pricing for large corporate and government accounts, incorporating solvency, profitability, and reinsurance structuring considerations.
Collaborated closely with CUO, CFO, CBO, and Sales leadership to align underwriting frameworks with strategic business objectives.
Developed and maintained advanced portfolio performance dashboards (UY/AY) and analytics platforms for real-time channel tracking and partner-level benchmarking.

Actuarial ConsultingPredictive AnalyticsGLM-based pricing modelsPortfolio Monitoring & AnalyticsLeadership & Stakeholder ManagementActuarial Pricing+1

Hdfc ergo general insurance

Senior Manager -Actuarial

Dec 2014 – Nov 2016 · 1 yr 11 mos · Mumbai Area, India · On-site

Led the actuarial team responsible for Motor pricing, risk scoring, and portfolio monitoring, ensuring alignment with organizational goals and strategic direction.
Developed and refined GLM-based pricing models, with successful deployment of model outputs in business development activities; conducted monthly performance reviews to track and enhance key metrics.
Automated budgeting and forecasting models for Motor lines of business using SAS, supporting annual planning and profitability analysis.

GLM-based pricing modelsSASPortfolio MonitoringRisk ScoringActuarial Pricing

Axa

Associate Actuarial Consultant

Jul 2013 – Dec 2014 · 1 yr 5 mos · Pune · On-site

I was part of Pricing Assurance Team
Developed comprehensive performance reports and analytics for the Home Insurance portfolio.
Automated end-to-end reporting and analysis processes using SAS, RADAR, and Excel, enhancing efficiency and accuracy.
Conducted detailed peril-level analysis, retention modelling, and assessments of rate change impacts to support data-driven pricing decisions.

SASExcelPerformance ReportsAnalyticsActuarial Consulting

Rr donnelley

2 roles

Senior Analyst -Predictive Modeler

Jul 2012 – Jun 2013 · 11 mos · Chennai Area, India

Developed and presented predictive models for persistency of A&H policies
Conducted claims development factor analysis for U.S.-based insurers to enhance claims forecasting accuracy.
Built and maintained a global loss triangle for a U.S.-based P&C insurer, supporting loss trend analysis and reserving strategies.

Predictive ModelingClaims Development Factor AnalysisPredictive Analytics

Senior Reserving Analyst

Jun 2010 – Jun 2012 · 2 yrs · Chennai Area, India

Worked as Senior Reserving Analyst at RRD Chennai
. Data Preparation and Checking for the Global Loss Triangle
. To modify the original data into modified data set, which is suitable for Sch P Analysis.
. To analyze age to age factor on latest diagonal, and loss development..

Data PreparationLoss Development AnalysisActuarial Reserving

Welfare fund mangement

Assistant Actuary

Sep 2008 – Jun 2010 · 1 yr 9 mos

Pricing of products like House Building Allowance, Conveyance Loan Insurance for Non -Public Insurance Trusts.
Non-Refundable One-Time premium for the Extended Insurance scheme\Post Retirement Insurance cover.
Refundable One Time Premium for the Extended Insurance scheme\Post Retirement Insurance covers.
Assisted the Actuary in designing unique micro insurance product viz. TAKA PLI for Postal Life Assurance Company, product caters mostly to the weaker section of the society.
Carried out the valuation of Postal Life Insurance fund 2007,; Pricing of New Single Premium Endowment Policy for the Nepal Life Insurance company
Worked on Analysis of Mortality experience of PLI/RPLI in last five years.
Assisted the Appointed/Consulting Actuary in Pricing and Valuation of Group Life Insurance Trust's different life cover schemes to their members.

PricingValuationActuarial Pricing