Muzaffar Kamal

Head - IT Applications @Care Insurance

Gurugram, HR, IN
MOBILE NUMBERS
+91 *********19

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WORK HISTORY

Dec 2020 — Present

Head - IT Applications @Care Insurance

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Gurugram, IN

Leading a team of 35+ professionals, I own the technology strategy and execution for the claims and underwriting functions. ​AI Driven Claims Transformation: Engineered an AI-driven claims processing framework using Machine Learning and intelligent automation. This initiative significantly slashed claims processing TAT, reduced operational costs, and minimized manual intervention. ​Intelligent Document Prosessing:Spearheaded the integration of advanced ICR/OCR technology for the claims function, automating data extraction from documents to improve accuracy and accelerate processing times. ​Digital Customer Journey:Owned the enhancement of customer-facing applications, leveraging digital technologies to create a frictionless, self-service claims transaction experience. Strategic Alignment:Work directly with the Business Head to ensure the technology roadmap and AI initiatives are perfectly aligned with overarching organizational goals and deliver measurable ROI

EDUCATION

2001 — 2002

Secondary School

10th, Maths,Chemistry,Physics

2004 — 2008

University of Rajasthan

B.E, Information Technology

2002 — 2004

Senior Secondary School

10+2, Physics,Chemistry,Maths

SKILLS

TestingManual TestingSystem TestingUser Acceptance TestingRequirements AnalysisQuality AssuranceTest AutomationDefect TrackingTest ExecutionTest PlanningSqlSdlcSoftware Quality AssuranceBlack Box TestingTest CasesFunctional TestingRequirements GatheringFunctional SpecificationsBusiness Analysis

ABOUT MUZAFFAR KAMAL

With 16+ years of experience in driving complex IT programs, I specialize in transforming business processes through AI, automation, and product innovation. I bring a strong track record of delivering enterprise-grade solutions across insurance, healthcare, and financial domains.As a Product Owner and IT leader, I excel at:Shaping and executing AI/GenAI-led automation strategies to optimize operations and enhance customer experience.Defining clear project scope, building stakeholder consensus, and aligning delivery with strategic business goals.Leading cross-functional teams, managing vendors, and ensuring timely, cost-effective solution delivery.Designing and reviewing solutions across policy administration, claims management, portals, mobile apps, integrations, and core backend systems.Driving business governance discussions to identify opportunities, create scalable pipelines, and implement innovative solutions.Currently, I head IT Applications at CARE Health Insurance (Gurgaon), where I lead digital transformation initiatives, including automation, AI-enabled decisioning systems, and intelligent claims management.

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Muzaffar Kamal — Head - IT Applications at Care Insurance in Gurugram, HR, IN | Unifers