Sep 2021 – Present · 4 yrs 9 mos · India

Sep 2020 – Dec 2024 · 4 yrs 3 mos · Gurugram, Haryana, India

• Writing research papers and articles for over 30 years. Currently translating research interest through a formal research process if Ph.D. Few recent published papers are
• 1. "Failure of strategic risk management in a life insurance company in India." Journal of Risk Management in Financial Institutions 16, no. 1 (2023): 21-33.
• 2. "The impact of climate risk on the insurance industry: Recent developments and emerging risk mitigation approaches." Journal of Risk Management in Financial Institutions 16, no. 2 (2023): 116-123.
• 3. "Risk Mitigation, Monitoring and Reporting in Life Insurance Business." Monitoring and Reporting in Life Insurance Business (July 28, 2021) (2021).
• 4. "Challenges in Embedding Enterprise Risk Management in The Indian Market." Available at SSRN 3955531 (2021).
• 5. "Analysis of Impact on The Indian Reinsurance Market Due to COVID-19." Available at SSRN 4049827 (2022).

Jul 2019 – Sep 2021 · 2 yrs 2 mos · Mumbai Area, India

Jul 2017 – Present · 8 yrs 11 mos · Gurugram, Haryana, India

• Books: 1. Risk Management in Current Scenario (2017)
• 2. Risk Management for Academicians and Practitioners ( 2022)

Jun 2012 – Aug 2018 · 6 yrs 2 mos · Gurgaon, India

• A dedicated certified risk professional with the experience of 25 years in Life Insurance Sector in the area of Insurance, Risk Management and Actuarial Science
• A key proponent of the development of risk culture within the organization to enable effective implementation of the risk management program to help the Company in optimizing the capital and profit.
• Expertise in taking the risk-based decision through risk identification and mitigation to enable along with using risk appetite.
• Gained significant exposure to Enterprise Risk Management, Market Risk, Liquidity Risk, Credit Risk, ALM, Stress Test, Risk-Based Decision Risk Management Framework, and Actuarial Pricing etc.

Jul 2007 – Jun 2012 · 4 yrs 11 mos

• Pricing
• 1.Pricing of Unit Linked and Traditional Products
• 2. Preparation of spreadsheet based Unit linked and Traditional actuarial models for the purpose of Pricing
• Risk Management
• Market risk-Monitoring interest rate and equity risk
• Insurance risk-Monitoring components of underwriting profit against plan by product class, comparing actual and expected claim experience by product class, monitoring gross and net sum assured exposure by product class, monitoring underwriting limits breaches and ex-gratia payments
• Liquidity risk- Monitoring the cash inflow and outflow at Company level including maturing assets in next one year times.
• Stress test- Financial and demographic stresses on annual gross profit.
• Handling all regional/internal queries.
• Assets and Liability Management-Liquidity risk, Solvency, Profitability, Market risk, etc
• Insurance Risk-Lapse results, Mortality profitability, Reinsurance experience etc.
• Economic Capital calculation .
• Lapse Investigation
• ALM policy preparation
• Insurance Risk Strategy preparation

May 2005 – Jul 2007 · 2 yrs 2 mos · Gurugram, Haryana, India

• Actuarial Pricing, New Business Profitability

May 2004 – May 2005 · 1 yr · Greater Lucknow Area

• Actuarial Pricing, Modelling, Valuation

Oct 2000 – May 2004 · 3 yrs 7 mos

• Actuarial Consultant

Jan 2000 – Nov 2000 · 10 mos

• Actuarial