Rukmini Roy
Underwriting & Risk Transformation Leader | Financial Automation & Digitization (Fintech & InsurTech) | Credit & Insurance | Agile BA & Digital Strategy | 15+ Years in BFSI
- Role
- Subject Matter Expert at Dexian India
- Location
- Mumbai, MH, IN
- LinkedIn followers
- 500 followers
About Rukmini Roy
With over 15 years of progressive leadership experience across Credit, Insurance, Risk Management, Financial Automation & IT related projects, I specialize in transforming underwriting and credit ecosystems through structured risk governance, intelligent automation, and data-driven decision frameworks.I bring deep expertise in Credit & Insurance Underwriting, SME & Corporate Lending, Enterprise Risk Management (Credit & Operational risk), Internal Audit, and Regulatory Compliance. My career spans end-to-end lending lifecycle management, high-value insurance underwriting (HNI & complex cases), reinsurance negotiations, risk control frameworks, board-level risk reporting. In consulting assignments across PharmaTech, Healthcare, AgriTech, and Government projects, I have bridged business strategy with technology execution — leading BRS creation, solution documentation, Agile delivery, workflow design, rule-based decision systems, API integrations, and mobile application journeys. My work involves AI-based Proof of Concepts (POCs), OCR integration, financial aggregators, and automation of medical and financial underwriting models.In my assignment as Head of the Chartered Accountant Desk (HNI Underwriting), I established and scaled a 16-member high-performance team, led automation initiatives, improved rule engine logic, enhanced Straight-Through-Processing (STP) rates, and contributed to underwriting guideline frameworks approved by reinsurance and senior management. I have consistently driven revenue growth, portfolio quality enhancement, and fraud risk mitigation while maintaining regulatory alignment.I am passionate about building intelligent financial systems that balance growth with governance, enhancing risk-adjusted profitability while enabling seamless customer journeys.
Experience
Subject Matter Expert
Sep 2024 — Present
Education
ICFAI
Masters of Financial Analysis, CFA
2014
Mumbai University
BCom, Accounts, Audit & Taxation
2004
St. Anthony's Girls High School
SSC
1999
ICAI
Chartered Accountancy Intermediate (PEII)
2006
Skills
- Investment Banking
- Corporate Finance
- Mis
- Financial Modeling
- Management
- Valuation
- Project Finance
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