Shivam Raj
Executive Underwriter | Credit Risk & Financial Analysis | Data-Driven Decision-Making | BFSI Specialist
- Role
- Risk Analyst Underwriter at Policybazaar.com
- Location
- Gurugram, HR, IN
- LinkedIn followers
- 500 followers
Experience
Risk Analyst Underwriter
Aug 2025 — Present · Gurugram, IN
Assess and analyze insurance applications, proposals, and supporting documents to determine risk levels.Evaluate clients’ financial standing, medical history, claims records, and other relevant data.Classify applicants into appropriate risk categories (low, medium, high).Decide coverage terms, premium rates, and policy conditions based on risk assessment.Collaborate with actuaries, sales teams, and brokers to ensure fair and profitable underwriting decisions.Ensure compliance with internal policies, regulatory guidelines, and insurance laws.Review reinsurance requirements for high-value or complex cases.Conduct periodic portfolio reviews to maintain healthy risk exposure.Monitor industry trends, fraud risks, and emerging market risks.Use data models, statistical tools, and risk assessment software for accurate decision-making.Recommend policy modifications or exclusions when needed.Communicate underwriting decisions clearly to clients, agents, or internal stakeholders.Support claims team by providing risk insights when required.Maintain accurate records of underwriting decisions for audits and reporting.Continuously update knowledge on new products, regulations, and underwriting practices.
Education
Dev Bhoomi Institute of Management Studies
Bachelors Degree, Agriculture General
2018 — 2022
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