Ema Kumar

Senior Exposure Management Analyst @Apollo

London, GB
MOBILE NUMBERS
+91 *********19

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WORK HISTORY

Oct 2025 — Present

Senior Exposure Management Analyst @Apollo

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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

N/A

Chartered Insurance Institute

Cert CII, Insurance

2009 — 2014

Woodford County High School For Girls

GCSEs

2014 — 2016

Woodford County High School For Girls

A levels, Maths, Further Maths, French

2020 — 2021

University of Kent

Master's degree, MSc Finance

2016 — 2019

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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Ema Kumar — Senior Exposure Management Analyst at Apollo in London, GB | Unifers