Ema Kumar
Senior Exposure Management Analyst @Apollo
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WORK HISTORY
Senior Exposure Management Analyst @Apollo
As Senior Exposure Management Analyst in Apollo’s Natural Catastrophe team, I develop advanced analytics and modelling strategies for multi-line insurance portfolios, collaborating with underwriters, actuaries, and risk teams to optimize risk selection and accumulation management. I leverage tools such as SQL, Python, and Power BI to drive automation, deliver actionable insights, and support strategic portfolio steering across diverse geographies and perils. My responsibilities include regulatory reporting, dashboard development, and aligning catastrophe risk analysis with internal and Lloyd’s standards - empowering sustainable decision-making in a dynamic, growth-driven environment.
EDUCATION
Chartered Insurance Institute
Cert CII, Insurance
Woodford County High School For Girls
GCSEs
Woodford County High School For Girls
A levels, Maths, Further Maths, French
University of Kent
Master's degree, MSc Finance
University of Kent
Bachelor of Science - BSc, Mathematics
ABOUT EMA KUMAR
A Senior Exposure Management Analyst at Apollo, I specialise in advanced natural catastrophe analytics and portfolio risk insights for Lloyd’s syndicates, driving data enhancement and impactful dashboards to support effective underwriting and strategic decisions. I am deeply passionate about the insurance industry and committed to empowering insurance professionals to take a leading role in their own professional development.Prior to Apollo, I managed catastrophe modelling, reporting automation, and collaborative risk communication at K2 International, and served as a Catastrophe Risk Associate at WTW helping clients mitigate, transfer, and comprehend natural catastrophe and climate risks. With 5+ years’ experience in business development both in EdTech and insurance, I bring adept networking, market analysis, negotiation, and sales strategy development.I also recently joined NGIN (Next Generation Insurance Network) as Head of Brand and Social Media, focusing on redefining brand identity, crafting compelling narratives, amplifying voices, and increasing engagement to turn big ideas into impactful actions for insurance professionals.
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