Alok Bharati has over 13 years of experience in the property and casualty insurance domain. He has worked as a business analyst on various insurance software products handling different lines of business such as auto, home, and commercial general liability insurance. Some of the key projects and responsibilities include: - Working as lead consultant on the Universal Reinsurance System (URS) reconciling reinsurance data. - Requirements gathering, documentation, testing and delivery management. - Providing domain expertise to development and QA teams. - Analyzing client issues and requirements and translating them for development. - Experience with the full SDLC from requirements to implementation.

1. Alok Bharati Cell: 9811874065,
Email: bharatialok@yahoo.com
S/o Late Sri S.N. Srivastava, House no- 83, Ground Floor, Near HUDA Market, Sector-40, Gurgaon-122001, HR
 Brief Profile at a Glance:
Total Exp – over 13 years; Domain Expert in: General Insurance - Property & Causality. Over 10 years of exp in P&C
insurance. Insurance domain expert , Insurance products and software services of tier one IT companies, understanding of
the insurance operations and processes, industry trends, best practices and overview of Life & non life .
Techno functional exposures:
 Sound functional knowledge of P&C Insurance domain & Policy admin system – PAS (Underwriting, Claims, Policy Admin,
New business, Client Management, Billing etc)
 Preparing DFR (Detailed Functional Requirements) and BRD (Business Requirements Document), High level test condition/
Scenario preparation, Test Plan, Test Cases
 Interface between Client & Developers: Possess a blend of both business and technical skills with the ability to translate
business needs into deliverable solutions. Analyzing the Client’s issues related to Home owners Policy, Personal Auto
Policies, Liability, Water craft and other line of Businesses. Sales / Presales bent of mind with ability to represent problem
statement from business perspective. A good understanding and background in IT services, operational improvement
 Expertise in gathering, managing and documenting business/functional requirements, gap and impact analysis , client
communication and functional testing
 Worked on MS Visio, data and process mapping, process flow charts, Client profiling in SQl, Pivoting Clients details in Excel
etc.
 Good Delivery & Implementation Management skills with rich experience of entire SDLC- software development life cycle
from the project kick-off to implementation and handling post implementation issues.
 Team & Vendor handling; BA functional & domain training. Knowledge management within the projects controlled, Strong
customer management skills
 Exposure to General Insurance products and related Line of Business (LOBs):
• 2012-till date- Worked on Reinsurance Product named Universal Reinsurance System –‘URS’ of Genpact HeadStrong
(Reinsurance, P&C, CGL) as Lead Consultant
• 2010-2012: Worked on CGL Insurance product ‘Clippers’ of Mastek. (LOBs-Auto insurance, Commercial General Liability)
as Senior Business Analyst
• 2010-2007: Worked on General Insurance Entrepreneur product ‘Exceed’ of CSC i.e. Computer Sciences Corporation
(LOBs-Auto insurance, Home Owners, Watercrafts) as Business Analyst
• 2005-2007: Worked on Insurance applications as IBM Claim Capture, AS 400-C, AS 400-P with Cambridge Integrated
Solution(LOBs-Auto insurance, WC, CGL, P&C) as Project Associate-BA
 Academics:
• B. Sc ( Math)
• MBA (Insurance) from ICFAI Business School, Hyderabad, Karnataka
• MMA (Marketing Admin.) from Institute of Management, Jiwaji University, Gwalior, M.P.
• AINS Certified from AICPCU
• Insurance Institute of India- Associate. (A-III)
 Awards & Achievements:
• Stood 2nd University topper in MMA, Jiwaji University, Gwalior, M.P.
• Certificate of Achievements and accolades from the chief Technical Officer & President of the company ALFA.
• Certification in General Insurance AINS from AICPCU, America.
• Twice Silver and Once Gold awarded at Genpact.
 Attributes:
Initiator, Self motivated and Energetic, Good communication skills, Presentation skills, Interpersonal skills, Strong problem
solving abilities

2. At a Glance: Various Clients and their insurance products worked on
LOBs (Line of
Businesses) Companies Products & Tools Clients Projects
Auto Insurance
CSC, Mastek,
Cambridge
Cambridge:
AS 400-C, AS 400-P
CSC: Exceed
Mastek: COMPASS
Cambridge: Virginia Surety
CSC: SFB, Pemco, Alfa, AIG
Mastek:
Cambridge: FRI
CSC: Exceed Base
Mastek: Liberty Mutual
Home Owners CSC CSC: Exceed SFB,IFB, Pemco, Alfa, AIG CSC: Exceed Base
Commercial
General
Liability- CGL
Cambridge,
Mastek
Cambridge:
AS 400-C, AS 400-P
Mastek: Clippers Liberty Mutual
Cambridge:
Mastek: Liberty Mutual
WaterCraft CSC CSC: Exceed CSC: SFB, Pemco, Alfa, AIG CSC: Exceed Base
Reinsurance Genpact
URS,Visio,SQl, Flow
diagram,Excel pivoting
etc. Headstrong-Iron shore- URS
Crop Insurance Mastek Oasis ProAG ProAG
Workmen
Compensation Cambridge
Cambridge:
AS 400-C, AS 400-P
IBM Ovation
IBM Claims Capture Virginia Surity, Cambridge: FRI
Detailed Work Experience:
 Genpact India; Gurgaon (2012—till date) As Lead Consultant.
Roles and Responsibilities at Genpact:
• Liaison between Client and various stakeholders
• Product support in Enhancement, Development and Maintenance
• Business model and processor supports
• End to end mapping and execution, confirmation and deployment
• Requirement gathering & elicitations, managing and documenting business/functional requirements as BRD, FRD, gap and
impact analysis , client communication and functional testing
• Working on Visio, data and process mapping, process flow charts, Client profiling in SQl, Pivoting Clients details in Excel
• Good Delivery & Implementation Management skills
• Experience of entire software development life cycle from the project kick-off to implementation and handling post
implementation issues
• Vendor management
• Team management
• Functional Domain Knowledge transfer
Project worked at Genpact:
1. Project- URS
About the Project:
URS- Universal Reinsurance System is a reinsurance reconciliation system imbedded in the mother system ‘Stone River’of
Ironshore. It’s currently being used by clients like MFX, OpenCo, OpenBox etc. in US for their reconciliation purposes. It’s
about to be implemented in UK also. URS is more based on Water fall methodology. Insurance policy details (known as DSI
feeds-Direct system Interface information) from various clients were fed into URS, run through modelers, preprocessors,
standardized and fed to Great Plains through nightly batch for reconciliation.
Project activities:
Working as the Lead Genpact resource for the Client “Iron Shore” for their application URS (Universal Reinsurance System for RI
Calculation) I was exercising below activities-
• Taking care of the DSI feeds coming to URS from various other Inward systems as OpenCO, OpenBox, MFX-US, and MFX-starr
and being forwarded to Great Plain system via Smart Connect as general ledger.
• Providing the RI (Reinsurance) / URS impact sign off to these Inward Systems based on insurance expertise and logic.
• Coordinating various stakeholders as the vendors of URS i.e. INPOINT, vendors of OpenCO INTECH/ Agencyport, RI Global
Head/ VP of Iron Shore etc.

3. • Follow up and check on the various tickets (Downstream approval tickets, Change request Tickets, Production tickets) Raised
in MTM tool (Iron shore ticket raising system, facilitated by INPOINT) for timely closing as per releases.
• Enhancement, Development and Maintenance of the Universal Reinsurance System.
• Providing the domain knowledge to in-house resources i.e QA & Developer team
• Ran efficiently the pilot phase of the process transfer as primary
• Requirement Gathering and exposed various levels of SDLCs
• Preparation of BRD (Business Requirement Document)
• Coordination with analytics team, working with them for CAT model, and helping them with predictive modeling
2. Project- MGAs/ TPAs (Managing the General Agents and Third Party Agents).
About the Project:
It was a similar type of project as URs, however the clients here were legacy clients and were to own the MFX insurance
system. The scope of the project was to process map the clients, data map them, profile them in SQl, standardize them as per
MFX and get them finally loaded to MFX. This is An Agile based Project.
Activities involved:
As a Lead Consultant, I was exercising below activities-
• Developing and enhancing the MFX system for the needs catered by MGAs & TPAs (Managing the General Agents and Third
Party Agents).MGA and TPAs are to be provided with MFX system for their underwriting purposes. Agile methodology is
prevailing.
• Daily team meetings and Matrices followed up for the Scrum, Development of the code and the system for their underwriting
utilization.
• End to end mapping and execution, confirmation and deployment for respective MGA/ TPA
• Regular interaction with the Business, client’s discussion over the iterations activities and planning in association with QA and
Development team.
 MASTEK Ltd. Navi Mumbai (July, 2010—24th Feb 2012) As Senior Business Analyst.
1. Project: Liberty mutual , Product: CLIPPERS, LOB- Commercial General Liability, Client- Liberty Mutual
About the Project: Liberty mutual
Liberty-Mutual, Addition of new line of Business i.e. Commercial General Liability. Liberty Mutual wanted to introduce a new
LOB CGL in their existing insurance product of Mastek- ‘Clippers’.
Roles and Responsibilities at Mastek:
• Liaison between Client and various stakeholders
• Product support in Enhancement, Development and Maintenance
• Requirement gathering & elicitations, managing and documenting business/functional requirements as BRD, FRD, gap and
impact analysis , client communication and functional testing
• Good Delivery & Implementation Management skills
• Experience of entire software development life cycle from the project kick-off to implementation and handling post
implementation issues
• Team management
• Functional & Domain Knowledge transfer
• Preparation of Test Scenario, High level test condition preparation.
• Test Approach discussion and preparation etc.
• Test plan discussion and preparation
• Team monitoring on QC and Script running
Activities involved in as a Sr. Business Analyst -
• Working as an Interface between the client’s requirements and technicians to translate them in meaning full easy steps.
• Under gone the Product knowledge & Policy Administration System of Mastek entrepreneur products as ‘COMPASS’ &
‘CLIPPERS’ associated with commercial Auto & General Liability.
• There was development of a new line of business –CGL for Liberty Mutual. Preparing DFR (Detailed Functional Requirements)
and discussion about BRD (Business Requirements Document) for the CGL.

4. • Test Scenario, Test plan discussion and preparation, High level test condition preparation.
• Verification & Validation and sign off of the testing, QA and development activities with respect to the Liberty’s CGL
requirements.
• Test Approach discussion and preparation etc.
• Mentoring new comers, providing vital exposure to Policy Administration System, Policy Life Cycle, Billing, Claims etc.,
grooming the business acumen.
• Basic and advanced knowledge transfer, Being looked as domain expert, to help with functional and domain help, to various
projects for Clients as Sandlord, Liberty Mutual, CUNA Mutual, ProAG, MFX etc.
2. Project : ProAG Insurance (Crop Insurance- ‘OASIS’ – application of ProAG)
About the Project:
It is a software solution for Operations of a crop Insurance provider ProAG (A subsidiary of Cuna Mutual Group USA), which
deals with online writing policy , claim for the loss and Collecting and massaging data from RMA (USDA), which is used for
writing a valid policy. It is an application which deals with entire crop insurance life cycle. Mastek employees were responsible
to run the show. They were responsible for OASIS enhancement, Development and Maintenance for an effective Crop
insurance underwriting, Claims & losses.
Activities involved in:
• Interaction between Client and Mastek stake holders as QA, Development and Business Team
• Work flow diagram preparation
• Functional and domain PAS-Policy Admin System, knowledge transfer
• Drafting of the Internal Certification Process for the Team members of ProAG Insurance (Crop Insurance- ‘OASIS’–application
of ProAG)
• Responsible for Team ramp up, walk-through to Client system
 COMPUTER SCIENCES CORPORATION LTD, Indore (8th March 2007 till 23rd July 2010) as Business Analyst.
Project: EXCEED- Base Team , Product: EXCEED, LOBs- Home owners Policy, Personal Auto Policies, Water craft, Client-
ALFA, PEMCO, SFB, IFB
About the Project:
Exceed insurance administration software solution is in use at many of the world's leading property and casualty/general
carriers that manage core business functions including policy processing for personal lines, and billing and claims for all lines of
business. Exceed is a software solution which offers a firm foundation for a componentized approach to insurance
administration system modernization. For example, the Exceed Policy component, with specialization in supporting personal
lines, can be implemented with third-party billing and claims systems, or with Exceed Billing or RISKMASTER Accelerator for
claims processing. Exceed Billing and RISKMASTER Accelerator support all lines of business. CSC's Exceed was developed in
collaboration with the world's leading insurance carriers. CSC works with the Exceed users' community and advisory council
through an Innovation Community process for consistent collaboration.
We at CSC had to manage various clients which were using Exceed. We had to handle their enhancement, developments and
maintenance. Respective Clients issues needed to be understood and articulated to QA, development team so that they could
be addressed well and fixed with proper business documents and testings.
Roles and Responsibilities at CSC:
• Liaison between Client and various stakeholders
• Product support in Enhancement, Development and Maintenance
• Requirement gathering & elicitations, documenting business requirement document(BRD)/functional requirements as (FRD)
• Experience of entire software development life cycle and coordinating post implementation issues
• Team management & team monitoring on QC and Script running
• Functional & Domain Knowledge transfer
• Preparation of Test Scenario, High level test condition preparation.
• Test Plan & Approach discussion and preparation etc.
• Defect tracking
• Maintenance & authorship of Task
• End to end mapping
• Good Delivery skills
Activities Involved in as Business Analyst:

5. • Working as an Interface between the reported client issues and technicians to translate the issues in meaning full easy steps.
• Analyzing the issues related to Home owners Policy, Personal Auto Policies, Water craft and other line of Businesses.
• Working on Main frame and CSC reputed and Vast Enterprise product EXCEED (General Insurance software) of CSC.
• Have worked for 2 years on Exceed Policy Administration System and 1.5 years for Client Management System
• Well equipped with various insurance modules of EXCEED product as PAS- Policy Administration system, Billing, Claims,
Client Management System, Disbursement etc.
• Working for various Clients like ALFA, PEMCO, SFB, IFB for production and maintenance issues. Enhancement of new features
and functionalities.
• Preparing BRD (Business Requirement Document) and Test Plan for the client issues, enhances and developments.
• Preparing the Verification & Validation Checklist for the issues to be tested in various Clients' environments for the QA
• Testing (Positive, Negative, Regression, Functional, System, Integration etc) the issues in Client’s respective environments.
• Getting the codes fixed for the issues faced by clients with the help of QA & Development team and finally signing off.
• Verification and table searches of issues in host; Main frame.
• Under gone various Knowledge sharing sessions on Billing, Clients, Claims and Policy.
• Mentoring new comers, providing vital exposure to Policy Administration, Billing, Claims etc., grooming the business acumen.
• Maintenance & authorship of Task provided by estimating efforts and successfully closing the tasks in P+ (Project plus
software) of CSC
• Tracking of defects, logging them duly, Proper feedback on doubts & questions, being in touch & tandem with on site team and
Business analysts.
 XCHANGING formerly known as CAMBRIDGE INTEGRATED SOLUTIONS, Bangalore. (2005 - 2007) as Business Analyst.
Project: FRI- First Report information
About the project:
FRI- First Report information - For various clients and various LOBs, insurance issues were to be understood and articulated.
They needed to be analyzed from insurance point of view as coverage, inception date, claims made, Claims occurrence,
adjustments to be made for Workmen compensation cases.
Roles and Responsibilities at Cambridge integrated Solution:
• For various clients and various LOBs, insurance issues were to be understood and articulated for documentation
• The information needed to be captured with tools as IBM ovation, IBM Claims Capture.
• First reports of information were to be drafted.
• Interaction with the client and Attorneys for litigated cases were to be discussed in association with business.
• Adjustments to be made for Workmen compensation, liability cases which were litigated
Activities involved in as a business Analyst:
• Understanding the Clients need and as per their requirements In-depth analysis of cases: Motor Insurance, Commercial
General Liability and Workman's compensation.
• Preparing the first report of information dealing with the nature, cause, and various other accidents / incident information.
• Drafting the cases as per Clients requirements and as per the type of coverage (Liability, Motor or workman's
Compensation)
• Worked on payments of Bills related to these on systems like IBM AS400-C, AS400-P, BPO-Intake, and Ovation-Claim
Capture.
• Successfully completed the Claims Examiner training given by the company dealing with Coverage, Negotiation, Payment,
Litigation, Subrogation, Reserve settings etc.
{Non IT Experience}
 PEPSI co. (varun beverages) as Customer Executive September 2002 - June 2003
Job Profile: CRM; Client relationship management, implementation of marketing & sales strategies, merchandising & promotion of
products, pre-sales strategy.
 DABUR INDIA LTD as Sales Officer April 2000 - July 2002
Job Profile: Management & Administration of the market channels of distribution, Implementation of the companies policies,
promotional & merchandising of products, Selecting-targeting-positioning of Target Audience.

6.  BHARTI TELENET-AIR TEL as Customer Executive Nov 1999 - April 2000
Job Profile: Analyzing and solving the incoming calls issues, related to various operation departments; by coordinating between them.

7.  BHARTI TELENET-AIR TEL as Customer Executive Nov 1999 - April 2000
Job Profile: Analyzing and solving the incoming calls issues, related to various operation departments; by coordinating between them.