Nitin Kumar Gupta

About Nitin Kumar Gupta

Driving digital transformation and profitable growth in the insurance sector for over 20 years, I am a seasoned Senior Insurance Executive specializing in Health, Life, Accident, and Disability insurance. My focus is on optimizing underwriting and claims processes for both established insurers and agile startups.As SVP - Health Underwriting & Claims at Acko General Insurance, I currently lead the comprehensive transformation of the health business, integrating risk, pricing, and technology to streamline claims and underwriting operations.My core capabilities include:Strategic Business Transformation: P&L Management, Digitalization & Automation, Product Innovation, and Reinsurance StrategyOperational Excellence: End-to-End Claims Lifecycle Optimization, Underwriting Portfolio Management, and Fraud ControlLeadership & Development: Leading multi-functional teams, talent development, and managing strategic partnerships.Key achievements highlight my impact:Spearheaded underwriting automation achieving an industry-leading 95%+ Straight Through Processing (STP) for new business, driving significant efficiency and profitability.Pioneered digital insurance workflows, enabling real-time claims settlement and product simplification.Consistently exceeded business objectives by leveraging data-driven decision-making and an automation-first approach.Holding an MBBS degree alongside advanced insurance designations (FLMI, FALU, FLHC, ACS, ARA), I bring a unique blend of medical insight and deep insurance expertise to every role.I am passionate about innovating the insurance sector through technology, operational efficiency, and a steadfast commitment to a customer-first mindset.

Experience

1. Senior Vice President- Health Underwriting and Claims

   Acko

   Apr 2025 — Present · Bengaluru, IN

Education

• Madurai Medical College and Hospital (MDUMC)

  MBBS, Medicine and Surgery

Skills

• Bancassurance
• Accident Insurance
• Process Management
• Business Process Improvement
• Underwriting
• Risk Management
• Team Management
• Operational Planning
• Fellowships
• Claims Management
• Reinsurance
• Health Insurance
• Collaborative Problem Solving
• Process Automation
• Claim
• Networking
• Guideline Development
• Medical Underwriting
• Interpersonal Relationships
• Medical Management
• Training & Development
• Business Analysis
• Life Insurance
• Business Planning
• Negotiation
• Relationship Management
• Insurance
• Mis
• Product Development
• Project Management
• General Insurance