Aug 2021 – Mar 2024 · 2 yrs 7 mos

• Led the Innovation and Product Development team for the company, driving product vision, strategy, and roadmaps for both new products and existing product enhancements.

Dec 2020 – Aug 2021 · 8 mos

• Led the strategy, vision, development and roll-out of new products, including Telematics that helped set the foundation for better segmentation, and generate profitable growth

Jan 2018 – Jan 2020 · 2 yrs · San Francisco Bay Area

• Led the company's telematics (UBI and BBI) product portfolio with a mission to make roads safer for everyone.
• Successfully led the team in design and launch of multiple telematics products for different segments of personal and commercial auto, including TNCs, on-demand delivery (ODNCs), rideshare, small business auto segment and large trucking fleets.

Jul 2016 – Dec 2018 · 2 yrs 5 mos · San Francisco Bay Area

• Led Property & Casualty insurance portfolio of the company for all operating states
• Led the team in rolling out 6 next-generation predictive-model based products for home, renters & landlord insurance across all states after receiving state DOI regulatory approvals
• Earned 3 National Gold Medal industry awards for helping design the most innovative next-gen product
• Led short-term and long-term profitability & growth strategies by implementing different pricing / ratemaking strategy, portfolio monitoring, qualitative/ quantitative analysis on data and forecasting
• Experience in implementing products in Guidewire, Policy management systems

Jan 2013 – Jan 2015 · 2 yrs

• Led the entire Commercial Portfolio (BOP, GL, Auto and Worker's Compensation) for Colorado and New Mexico
• Worked on State Rate Revisions, filings with Regulators, Portfolio monitoring, and Profitability & Growth strategies
• Worked on company’s Auto product strategy detailing unique value propositions, product vision
• Helped design the most comprehensively segmented auto product for the company and successfully launched the same in Colorado as a pilot project
• Within 1 year converted the loss making portfolio into profitable with a combined ratio <98%

Jan 2011 – Jan 2012 · 1 yr

• Chosen as Lead Product Manager for International Team set up by company for Global footprint.
• Designed 10+ insurance products, plans & treaties for different countries across the globe incl. UAE, Asia and South African Region, generating a business of more than $20M
• Built various international alliances to identify product opportunities, market size & customer needs and formulated market specific product strategies
• Performed detailed International Market Analysis, Competitive Research and Local country's laws and compliance analysis

Jan 2009 – Jan 2012 · 3 yrs

• Headed the Health Product Portfolio of the Company and generated an annual revenue of about $55M while monitoring the entire portfolio
• Devised new products / add-ons / value-added services based on market research, competitive analysis, customer feedback, sales input
• Product Monitoring in terms of underwriting profit, market share, loss ratio analysis, claims management, customer satisfaction, growth and overall profitability

Jan 2007 – Jan 2009 · 2 yrs

• Developed 20+ new & innovative products across various lines of insurance business including auto, health, home, travel & accident during entire Product Life Cycle stages
• Managed & streamlined the entire new & existing product development portfolio of the company for auto, home commercial & health insurance
• Performed extensive market study, competitive research and customer needs analysis for identifying New Product Opportunities
• Product Idea Generation, Product Strategy, Product Scoping, Positioning & Branding
• Product Marketing, Sales & Training Related Material Development

Apr 2006 – Jul 2006 · 3 mos

• Worked for an internship at Chubb during MBA. Conducted 5C and SWOT analysis for the company and presented the key areas of focus / opportunities to the company e.g. loyalty discount