Karima Belfatmi
Senior International Underwriter @AXA Health
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WORK HISTORY
Senior International Underwriter @AXA Health
La Défense, FR
Managed corporate portfolios of up to lives • Conducted granular renewal analysis for large accounts• Calculated and adjusted IBNR reserves ensuring financial accuracy• Built multi-year profitability models• Implemented rate increases up to +10%, reducing loss ratios from 108% to 98% • Support for brokers in complex negotiations and renewals• Integrated medical inflation trends into pricing strategies• Drafted policies and addenda to ensure compliance and clarity
EDUCATION
Enass
Master 2 Finance et Actuariat , Assurances - Finance
Université Paris Cité
Master 2 Mathématiques , MATHEMATICS AND STATISTICS
ABOUT KARIMA BELFATMI
Data driven and strategically minded Senior Technical Underwriter with 14 years of insurance experience, including 4+ years specializing in International Private Medical Insurance (IPMI) and corporate Employee Benefits. Expert in managing high-value international corporate portfolios (up to 3, lives, 38M€) for French corporate clients, embassies, IGOs, NGOs.Combining a strong actuarial foundation with extensive hands-on experience in profitability restoration, structured rate adjustements, medical trend pricing and technical provisioning (IBNR - Chain Ladder method). Adept at turning complex claims data into actionable underwriting strategies and leading technical negociations with international brokers.
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