Education: M.Com, M.Phil, and Ph.D. in Service Quality Management in Life Insurance.
Experience: 27 years in the area of Training, Teaching, Research, and Consultancy.
Professional Qualification: Fellow in General Insurance and Diploma in Casualty Actuarial Science.
Areas of Specialization and Professional Interest:
Actuarial Science, Enterprise Risk management, ALM, Risk Modeling, Marketing Research, and Quantitative Techniques including Multivariate Analysis.
Recognized Ph.D Guide of Savitribai Phule Pune University in the areas of Management, Insurance and Transport.
Teaching, research and publications:
- Key Achievements:
- A Study on Agriculture Insurance Penetration in Kerala State was completed, and report submitted in April 2021.
- Member - Disaster Risk Financing – Risk Transfer Mechanism Committee, Kerala Government and contributed 3 chapters relating to the study. The study report submitted to the Govt. of Kerala in July 2021.
- A study on Qualitative Assessment of Cyber Risk Exposure Model was completed in May 2021.
- Presented Research Papers titled “Assessment of Cyber Risk Exposures – An Indian Experience at World Risk and Insurance Congress (WRIEC2020) organized by American Risk and Insurance Association (ARIA) at New York (converted into virtual conference due to the Pandemic) on 8th August 2020.
- Organized International Seminar in collaboration with Swissre on “Digital Disruption through Data Science: Embracing digital innovation by Insurance Industry, at Mumbai on 8, February 2020.
- Presented Knowledge paper on Cattle Insurance in India at the seminar organized by Insurance Foundation of India and PHD Chamber at New Delhi on 3 February 2020.
- Organized Insurance Summit in Mumbai on the theme “Navigating Insurance Ecosystem: A Strategic Perspective on Building a Resilient Industry.” in Mumbai 11th October 2019.
- Handled sessions relating to Enterprise Risk Management on Management Development Program organized for senior level executives of National Life and General Insurance Company in Muscat (Oman) during 19 -20 September 2019.
- Developed Certification Course on Proficiency in Crop Insurance to the Insurance executives and state government officers involved in crop Insurance.
- Organized NIA-RIMS, USA collaboration function and involved in designing Risk Management Certification Course for the risk management professionals in India and contributed 2 chapters in the course material.
- Has been organizing the ERM training for the middle and top level executives in India and was one of the consultants in implementing ERM in one of the leading general Insurance Companies in Middle East.
- Presented my paper on “Methodology for evaluating the effectiveness of insurance program in mitigating Natural Catastrophic Risks, at a technical workshop on Evidence for Disaster Risk Reduction and Climate Change Adaptation, Effectives of Insurance: Challenges and Opportunities’ held at UKM, Malaysia.
- Invited to present a research paper on “Development of Risk Based Rating Model in Motor Insurance Pricing using GLM” at APRIA Conference to be held at John Institute of Risk Management at New York (USA) on 30th July 2013.
- Developed Underwriting Manual for Mongolian insurance companies in the area of Fire Insurance, Motor, Health and Personal Accident Insurance, October, 2014.
- Carried out a research project on “Enterprise Risk Management” for one of the leading general insurance company in Middle East.
- Carried out a research project on “Estimating Actuarial Liability of Deposit Insurance Fund, for DICGC, using Credit Rating / Econometric Models.
- Co-authored a research paper with Dr. H. Sadhak on “Asset Liability Management in Defined Contribution Pensions- A Stochastic Model published by Brunel University, U.K.
- Passed Certificate as well as a Specialized Diploma in Casualty Actuarial Science in General Insurance.
- Organized `Actuarial Risk Modeling' course for Actuarial Society of India and developed various risk models in the area of Health, Motor, Reinsurance, Agricultural Insurance, etc.
- Consultant on a World Bank Project on Agricultural Insurance particularly on Portfolio Risk Management and developed Dynamic Financial Analysis (DFA) for Agricultural Insurance Corporation of India (AICL).
- Consultant on Crop Insurance: Development of Actuarial Premium rates for NAIS & WBCIS for Agricultural Insurance Corporation of India (AICIL).
- Received FAIR (Federation of Afro-Asian Insurers and Reinsurers) Award for my paper titled “Developing Agency Success Model in Life Insurance”.
- Presented research papers in many international conferences including Curtin University at Perth (Australia), Shanghai University of Finance and Economics (China).
- Passed the IGIE & CPCU course in Risk Management and General Insurance.
List of Publications with publication details:
- Research Projects:
- A study on “Development of Cyber Risk Model to assess the exposures in selected industries” is under progress.
- A study on Cyber Insurance Underwriting Challenges is being undertaken.
- A study on Impact of Climate Change on Insurance Protection Gap is being undertaken under the Marsh & Mickalene funding.
- A Study on Assessment of Risk Culture in Insurance Industry in India to be completed in December 2021.
- Completed a Review Study on Claims Settlement Performance of PSU General Insurance Companies in India and submitted report to Ministry of Finance, Government of India in 2019.
- Completed Project on Social Security Insurance Scheme for Economically weaker section of the population and submitted to Ministry of Finance, Government of India, in 2018.
- Professional Qualities of Successful Agents for National Insurance Company Ltd completed in 2016.
- Research project titled “Cattle Insurance in India – Strategy for Business Expansion for United India Insurance Company Ltd”, 2015.
- Research project on “Estimating Actuarial Liability of Deposit Insurance Fund, for DICGC, using Credit Rating / Econometric Models, 2014.
- Research project on “Enterprise Risk Management” for one of the leading general insurance company (QIC) in Middle East. 2013
- Consultant on “Technical Support for Weather Insurance Product Design, Rate- making and Portfolio Risk Management, First Initiative, World Bank, U.K.
- Consultant on Crop Insurance: Development of Actuarial Premium rates for NAIS & WBCIS for Agricultural Insurance Corporation of India (AICIL). 2004-05.
- Publication of Books:
|
Sr. No. |
Title of Book |
ISSN / ISBN |
Books of Publication |
Year of Publication |
|
1 |
Basics of Personal Financial Planning – Dr. S. Doss &Dr.K.C. Mishra |
978-8-131-50755-1 |
Cengage India Ltd |
2009 |
|
2 |
Total Quality Assessment in Insurance – Dr. S. Doss & Dr. V.S. Kaveri. |
81-87606-03-7 |
Akansha Publishing House, New Delhi |
2000 |
- Publication of Research Papers:
|
Sr. No. |
Title of Papers |
ISSN / ISBN |
Journals of Publication |
Month & Year of Publication |
|
1 |
A Study on Morbidity & Mortality Analysis and Premium Rating for Live-stock Insurance: An Experience from Indian Market. |
Co-author |
Asia Pacific Risk and Insurance Journal (ABDC Indexed) |
Accepted for Publication |
|
2 |
A Study on Qualitative Assessment of Cyber Risks in India. |
Co-author |
Asia Pacific Risk and Insurance Journal (ABDC Indexed) |
Vol.15, No.2 July 2021 |
|
3 |
The Implications of Covid-19 on Health Insurance Business – India and Bangladesh Market. |
Co-author |
Bloomsbury Publications, New Delhi. |
ISBN 978-93-54350-79-5 |
|
4 |
Digital Disruption through Data Science: Embracing Digital Innovation in Insurance Business |
Author |
Bima Quest |
Vol.20, No.3 2020 |
|
5 |
Evaluation of Deposit Insurance Fund Adequacy using Credit Risk Model – An Indian Experience. |
ISSN 1537-1506 |
Chinese Business Review, David Publication, USA |
Vol16, No.5, 2017 |
|
6 |
Insurance - A Risk Mitigation tool for managing catastrophic risks arising due to Climate Change” |
ISBN 978-93-80570-86-0 |
Amity University , Global Books Organisation, New Delhi |
2017 |
|
7 |
Stress Testing and Scenario Analysis for General Insurers in India |
ISBN 978-81-8011-2140 |
Amity School of Insurance, Banking and Actuarial Science, Amity University, New Delhi |
2016 |
|
8 |
Top Management’s Perception about ERM – An Assessment through Case Analysis of Gulf Insurance Company (GIC).
|
|
Pravartak Magazine (NIA) |
December-February, 2016 |
|
9 |
Risk Based Pricing in Health Insurance |
|
Pravartak Magazine (NIA) |
September-November, 2014 |
|
10 |
Risk Based Pricing in Motor Insurance using Fuzzy Model |
ISSN: 09740791 |
Bimaquest Journal, NIA |
July, 2014 |
|
11 |
Evaluation of Asset-Liability (ALM) Models for pension products |
|
IRDA Journal |
January and February, 2014 |
|
12 |
Asset Liability Management (ALM) in Defined Contribution Pension: A Stochastic Model with reference to New Pension System in India |
ISBN: 978-0-230-27779-3 |
Brunel University Press, UK |
2011 |
|
13 |
Business Intelligence in Life Insurance |
|
Bima Vidya, LIC house magazine |
2006 |
|
14 |
Development of Agency Success Model in Life Insurance. |
ISSN: 1687 -2231 |
FAIR Journal EGYPT |
2006 |
|
15 |
Total Quality in Insurance Industry' |
ISSN: 2153-3792
|
Asia Pacific Risk and Insurance Conference at Indian Institute of Management, Bangalore, India, |
July 2001 |
|
16 |
Assessment of Service Quality in LIC |
ISBN: 0333 93409 1 |
Delivering Service Quality: Managerial Challenges for the 21st Century at Indian Institute of Management, Ahmedabad, India, |
December 1999 |
- Presentation of Research Papers in International Conferences:
|
Sr. No. |
Title of Papers |
Session |
Conference title |
Month & Year of Conference |
|
1 |
Cattle Insurance in India |
Author |
Seminar organized by PHD Champers and Insurance Foundation of India. |
3st February 2020 |
|
2 |
Qualitative Assessment of Cyber Risk Exposures in India |
Co-author |
World Risk and Insurance Congress Conference held in New York |
8st August 2020 |
|
3 |
Morbidity & Mortality Analysis and Rating for Cattle Insurance in India |
Co-author |
Asia Pacific Risk and Insurance Conference held in Singapore |
30 June 2018 to 1st July 2018 |
|
4 |
Professional Qualities of Successful Agents in Insurance Business in India – Validity through a Canonical Discriminant Function Model”
|
Co-author |
Asia Pacific Risk and Insurance Conference held in Singapore |
30 June 2018 to 1st July 2018 |
|
5 |
Evaluation of Deposit Insurance Fund Adequacy Using Credit Risk Model – an Indian Experience.
|
Published in Conference Proceedings. |
The 9th FINANCIAL RISKS INTERNATIONAL FORUM, Paris, France. |
March 21-22, 2016 |
|
6 |
Business Forecasting and Trend Analysis for Life Insurance Industry in India Using Econometric Models |
Published in Conference Proceedings. |
International Conference on Public Policy & management held at IIM, Bangalore. |
11-13, August, 2014 |
|
7 |
Methodology for evaluating the effectiveness of insurance program in mitigating Natural Catastrophic Risks. |
Published in Conference Proceedings |
Technical workshop on Evidence for Disaster Risk Reduction and Climate Change Adaptation, Effectives of Insurance: Challenges and Opportunities’ held at UKM, Malaysia. |
4-5, July, 2014 |
|
8 |
Portfolio Risk Management in Crop Insurance |
Published in Conference Proceedings |
FAIR-BIA International Conference at Dhaka, Bangladesh |
10-11, February, 2013 |
|
9 |
Operational issues of ERM implementation |
Published in Conference Proceedings |
FAIR-NIA International Conference at NIA, Pune |
7-9, November, 2013 |
|
10 |
Organizational Climate for Service Performance - A case study of an insurance company' |
Published in Conference Proceedings |
Asia Pacific Risk and Insurance (APRIA) Conference at Indian Institute of Management, Bangalore, India, |
15-18, July 2001 |
|
11 |
Development of Service Quality Model in Life Insurance |
Published in Conference Proceedings |
Asia Pacific Risk and Insurance (APRIA) Conference at Curtin University of Technology, Perth, Australia |
16-19, July 2000 |
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