BINDU DINIL KUMAR

Mobile: + ***- 050******* /050*******

E-Mail: ac8vpx@r.postjobfree.com / ac8vpx@r.postjobfree.com/ac8vpx@r.postjobfree.com

JOB OBJECTIVE

Seeking assignments in Credit Analysis / Underwriting Operations with a leading organisation in Banking / Insurance sector.

PROFILE SUMMARY

Over 19 years of experience in Insurance & Underwriting Operations, Claims & Settlement Management, Issuance of Quotation & Policies and Client Relationship Management

Worked in Oman Insurance Co., Abu Dhabi as Underwriting assistant- Marine underwriting/fire dept

Skilled in managing underwriting & claims processing for Insurance products on coverage, appraisal, and verifiable damage

Adept at scrutinising documents as well as recommending sanction of policies after crosschecking credentials of the proposers

A keen performer who has effectively contributed to enhancing organisational processes through initiatives geared towards lowering risk, heightening productivity & improving internal controls.

Possess good interpersonal, communication & organizational skills

WORK EXPERIENCE

Since Oct’97 to july 2016 Oman Insurance Co., Abu Dhabi

Growth Path:

1997-2003 officer -Underwriting marine/fire dept

2003–2010 Senior Officer – Underwriting and Claims

2011-2016 assistant underwriter - (fire & marine)

2016-2018 Insurance Specialist – Abu dhabi Pipe factory,Mafraq

(Nov to may)

Role:

Underwriting Operations

Deciding whether applications for insurance cover (risks) should be accepted and on what terms after assessing a risk according to the likelihood of a claim being made by weighing up a number of factors

Issuing policies for import and export entailing all risks policies, transit policies, barge shipments, yacht policies, open policies, individual policies, fleet policies, fire insurance, burglary insurance, workmen compensation policies, medical mal practice etc. and issuing all types of endorsements and preparing all types of quotations

Handling the following travel insurance, issuance of Policies, providing rate on line, quote for international travel insurance, etc.

Operations Management

Following up for quotation with both customers and brokers and negotiating with the quotation rates, terms and conditions with the customers and brokers in marine, fire, workmen compensation, medical malpractice and travel insurance policies, medical policies.

Issuing all related bank documents and entering shipments details regularly and arranging voyage register, sending voyage register weekly to Head Office and handling continuous follow-up of the shipments

Providing travel insurances, quotes, rates and coordinating with travel agencies

Claims & Settlement Management

Identifying risk areas for the organisation, placing effective control mechanisms and mitigating losses on account of fraudulent claim practices, designing risk policies for the organisation from claims control perspective and ensuring that actual losses do not erode the actuarial pricing assumptions

Assessing the claims, managing pay-outs and claimant queries/complaint, attending disputes tribunals and finding amicable solution for the same

As a Customer care Executive:

Deal directly with customers either by telephone, electronically or face to face

Respond promptly to customers inquiries

Handle and resolve customer complaints

Obtain and evaluate all relevant information to handle service inquiries

Perform customer verifications

Organize workflow to meet customer timeframes

Record details of inquiries, comments and complaints

Maintain customer databases

Provide feedback on the efficiency of the customer service process in marine, medical and Fire and general accident policies

Follow up with the renewals

Highlights:

Successfully involved in claims settling procedures for marine

Acknowledged with the Best Performer Award of the year 2005 & 2009

EDUCATION

1992 B.Sc. from Calicut University, Govt. of Kerala, India

Additional:

Appearing for Licentiate Examination of India

Computerised Accountancy Course from Microsoft Institute, Calicut University in 1994

IT SKILLS

Data Entry

MS Word, Excel, PowerPoint

Windows and Internet Applications

English Typing Speed: 60 words per minute

PERSONAL DETAILS

Languages Known : English, Malayalam and Hindi

Marital Status : Married

No. of Dependants : 2

Visa Status : Husband’s Sponsorship

Passport No. : K9641234, valid till 27th Feb’23

Date of birth : 09/12/1973

Current Address : P.O. Box No. 4526, Abu Dhabi

Contact this candidate