Pankaj Bhandari
Product & Business Analyst | Life Insurance | Customer Journey & Persistency | Cluster Manager – Bajaj Capital
- Role
- Cluster Manager at Bajaj Capital Ltd
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
About Pankaj Bhandari
Life insurance professional with 8+ years of experience managing customer lifecycle, persistency, and growth. Transitioning into product and analytics roles to build scalable, customer-centric insurance products.
Experience
Cluster Manager
Jun 2025 — Present · Gurugram, IN
Owned end-to-end customer lifecycle for life insurance products, covering onboarding, underwriting, renewals, and claims for policyholders.Analyzed proposal drop-offs and persistency trends to identify friction points in medical, documentation, and underwriting stages.Used Excel-based analysis to track conversion ratios, lapse patterns, and renewal behavior.Collaborated with operations, underwriting, and partner insurers to reduce turnaround time by ~20%, improving proposal-to-policy conversion.Designed and implemented renewal engagement frameworks (reminders, auto-debit adoption, customer nudges) to improve persistency.Converted customer feedback and field insights into structured business requirements and process improvement recommendations.Acted as a bridge between sales, operations, and insurer teams, aligning customer needs with business objectives.
Education
Simplilearn
Business analyst
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