Education: M.Com, M.Phil, and Ph.D. in Service Quality Management in Life Insurance.
Experience: 30 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, Risk Modeling and Quantitative Techniques.

Recognized Ph.D Guide of Savitribai Phule Pune University in the areas of Management, Insurance and Transport.

A brief detail of teaching, research and publications is given below:

1. Key Achievements:

• Presented research papers on the topics of Disaster Risk Financing – Risk Transfer Mechanism for Effective Climate Risk Mitigation, Aggregate Cyber Risk Model and Actuarial Pricing in Cyber Insurance using Neural Networks: A Machine Learning Approach and Assessment of Quality of Risk Culture in General Insurance using SEM at Finance and Business Analytics (FBA 2023) Conference held at Lefkada, Greece, from 7 to 9, June 2023.
• Organized International Seminar in collaboration with Swissre on “Innovative Risk Mitigation – Building Resilience for Climate Risks” on 20th February 2023 and conducted a workshop on “Disaster Risk Financing for building climate resilience jointly with National Disaster Risk Management (NIDM) at Mumbai on 21st February 2023.
• Coordinator of Post-Graduate Program in Actuarial Science from January 2022 to July 2023.
• Presented a research paper on “Development of Aggregate Cyber Risk Model for Cyber Risk Assessment and Actuarial Pricing at American Risk and Insurance Association (ARIA) Conference in Los Angeles, USA on 1st August 2022.
• Presented a knowledge paper on Health Insurance in 2042 – Opportunities and Challenges at Health Insurance Seminar organized by Insurance Foundation of India and PHD Chamber, New Delhi on 10th May 2022.
• Carried out a World Bank Study on Agriculture Insurance Penetration for Kerala State Government from April 2020 to 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.
• Designed NIA-RIMS, Risk Management Certification Course in collaboration with Risk Management Society (USA) 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:

1. 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.

1. Publication of Books:

1. Publication of Research Papers:

1. Presentation of Research Papers in International Conferences:

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