1. Dipanker Biswas
E-Mail: Dipanker_Biswas@yahoo.co.in
Contact: 09936293281, 08826633340
SENIOR PROFESSIONAL
With 25 years of experience in:
~Underwriting & Claims
Industry Preference: General Insurance
PROFILE SUMMARY
Branch Administration Underwriting Claims Administration
Back Office Operations Documentation & Reporting Stakeholder Management
Team Management Risk Management Liaising & Coordination
Motor Underwriting Operations
• Expertise in developing strategies to support the profitability and growth of the business within the organisation goal
• Skilled in handling underwriting of Non Motor Lines of business viz: Property, Engineering and Miscellaneous with risk
management and ultimate goal of making bottom line out of the business operations
• Experienced in claim settlement within the given TAT and maintaining complete customer satisfaction
• Trained in providing proper guidance for the investigation to facilitate the lawyers to have upper hand in the court In
legal claims
• Capable of recognising loss making LOB and channel to ensure proper underwriting to make it profitable
• Entrusted with the responsibility of maintaining profitability of every LOB in detariff regime i.e. even with lower
procurement of premium the business underwritten with skills
• Demonstrated abilities in liaising with brokers / intermediaries for procuring premium for major clients also arranging
periodic meeting with these channel partner to garner more premium
• Proficient in handling customer service operations for rendering & achieving quality services, providing first line
customer support by answering queries & resolving their issues
• Possess excellent interpersonal, communication and organizational skills with proven abilities in team management and
customer relationship management
AREAS OF EXPERTISE
Customer Relationship Management
• Initiating and sustaining efforts for improving customer satisfaction scores through regular relationship calls & providing
regular update on change/new policies to employees
• Providing effective resolution to customer queries and improving relationships with the customer by anticipating
customer future requirements, thereby ensuring a positive customer experience
Team Management
• Leading and monitoring performance of underwriters and claims team for maintaining excellence in service operations
• Creating and fostering a healthy environment which facilitates high performance of team members and accomplishments
of organizational goals.
ORGANISATIONAL EXPERIENCE
Apr’06 – Mar’14 with Bajaj Allianz General Insurance Co. Ltd as Regional Referral Authority
Apr’14-till date with Bajaj Allianz General Insurance Co. Ltd., Delhi as Zonal Underwriter
Key Result Areas
• Accountable for heading a team of Underwriting Professionals
• Experience in tariff free arena of underwriting and targeted incurred claim ratio
• Maintaining turnaround time for issuance of documents and settlement of claims
• Circulating underwriting guidelines from time to time depending upon the environment
• Recognising by analyzing loss making LOB and channel and to ensure proper underwriting to make it profitable

2. Marine (Underwriting and Claim Exposure)
• Designing marine export policies to the clients indulged in export business pertaining to leather goods and carpets
industries, apart from these cargos, several other types of cargos also given marine policies
• Played a key role in settling large losses of total loss of machinery in marine import policy through directly dealing with supplier
• Appropriate clauses and warranties in marine export and import policies for leather products and carpet industries were
introduced resulting in reduction of claim frequency and risk improvement
• Liaising with RI dept. for arranging Re insurance for large consignment
• Holds the merit in taking effective loss minimization steps in first 72 hrs of the occurrence of claim resulting in restriction,
reduction and quantum of liability
Property and Engineering (Underwriting and Claim Exposure)
• Analyzing risk exposure with underwriting proficiencies.
• Several projects in Engg LOB, where the STFI exposure is high, has been accepted with warranty and clauses and these
projects does give good profitability in balance sheet
• Accountable for offering rates to property insurance wrt risk exposure and hazard involved on the basis of risk inspection
• Entrusted with the responsibility of inspecting several risk self to have the ground reality for understanding hazards
• Looking after negotiation of large property claims with insured resulting in reduced liability with complete customer satisfaction
• Involved in underwriting of entire engineering insurance of turnkey commercial projects and civil construction multi
layer projects
Miscellaneous (Including Motor) and Liability (Underwriting and Claim Exposure)
• Designing several special contingency policy as per the need of clients like extended guarantee policy
• Pivotal in overseeing retail policies by taking care of several hazard, particularly STFI
• Prudent underwriting in retail insurance has made the LOB profitable
• Analyzing these policies for claim frequency and claim ratio and to take remedial steps for underwriting
• Underwritten risks under product, public and employer liability insurance
• Designed special contingency policy as per need of jewellers block, Music concerts, and various special events organized in the city
• Discreet underwriting in Motor has made this LOB as most profitable
• Framing guidelines for u/w based upon the make model analysis in P Car / 2W and CV.
• Guiding legal team to read between the lines of police investigation report giving edge for justifying our case in court of law
Highlights
• Recognised for selection of essay ‘Solutions of Growing pains of Deregulated Market’ in essay competition organized by
Asia Insurance review, Singapore and GIC Re, India
• Played a key role in risk management practices for key accounts in marine line of business
• Maintaining targeted Combined ratio LOB wise
• Underwriting declined risk with specific warranties and clauses resulting increase in premium income; recently finalized
1500 Cr Road project under project policy for premium of 1.25 CR
• For the FY 2014-15, majority of the branches had given underwriting profits and has been awarded Cat I or Cat II
PREVIOUS EXPERIENCE
May’90-Apr’06 with The Oriental Insurance Co. Ltd., Location as Administrative Officer
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ACADEMIC DETAILS
1999 MBA (Finance) from IGNOU
1988 Post Graduation (Physics) from College, Kanpur Kanpur University
Other Course
• Associate from Insurance Institute of India, Mumbai (India) with specialization in miscellaneous branch
PERSONAL DETAILS
Date of Birth: 19th
July 1966
Languages Known: English, Hindi and Bengali
Address: 151, Kewal Kunj, Rohini Sec-13, New Delhi