Ashfaq Mohammed
Dubai,UAE
Summary
Knowledgeable Business development manager with experience in client management, sales strategy development and sales pitch presentations. Honest, confident and friendly communicator. Keeps up-to-date understanding of key markets, developing new strategies to capitalize on emerging customer trends. Proven success in preparing and delivering winning client proposals and business presentations to C-level executives.
Overview
11
11
years of professional experience
4047
4047
years of post-secondary education
1
1
Certification
Work history
BUSINESS DEVELOPMENT MANAGER
AFIA INSURANCE BROKERAGE SERVICES LLC
Dubai, UAE
2025.10 - Current
- Achieved identification of new business opportunities through comprehensive market research.
- Secured business retention by successfully negotiating renewal terms and competitive options for renewal clients.
- Realised new revenue streams by executing effective diversification strategies.
- Captured business opportunities by establishing strong relationships with potential clients.
- Enhanced strategic positioning by closely monitoring competitor activities.
- Ensured high levels of customer satisfaction through effective management of key accounts.
- Secured optimal terms by negotiating policies with insurers.
- Delivered outstanding customer service by promptly addressing client queries.
- Aligned business goals and objectives by collaborating with multiple insurers.
- Generated significant revenue growth through strategic implementation of innovative sales strategies.
KEY ACCOUNT MANAGER
AFIA INSURANCE BROKERAGE SERVICES LLC - INSURANCEMARKET.AE
Dubai
2022.12 - 2025.09
- Successfully managed a AED 5M+ portfolio of key corporate health insurance accounts in the UAE's largest brokerage, specializing in employee benefits, group corporate, and individual/family plans.
- Secured optimal premiums through expert negotiation with leading insurers (GIG, Cigna, ALLIANZ, BUPA, MetLife, Orient, Sukoon, Watania Takaful etc.,).
- Ensured regulatory compliance (DHA) and efficient policy placement/payment processing via IMCRM.
- Proficiently navigated major provider networks (Nextcare, NAS, Mednet), resolving underwriting and customer queries.
- Expertise in policy renewal, encompassing underwriting guidelines and risk management.
MEDICAL UNDERWRITING & CUSTOMER SERVICE
GARGASH INSURANCE SERVICES LLC
Dubai
2021.10 - 2022.09
- Secured new business and renewed policies via proactive lead generation and needs-based quoting, across diverse product lines (Basic, Enhanced, SME, Tailor-made, Individual).
- Expertly negotiated optimal policy terms and benefits within client budgets, maximizing conversion rates and retention.
- Proactively managed customer relationships, resolving underwriting and policy-related inquiries efficiently.
- Streamlined policy placement, securing insurer approvals for payment terms (CDCs & PDCs), and expediting document delivery.
- Successfully managed and grew a portfolio of $2-2.5 million in annual premiums, leveraging data analysis for performance tracking.
ACCOUNT EXECUTIVE
AFIA INSURANCE BROKERAGE SERVICES LLC - INSURANCEMARKET.AE
Dubai
2019.03 - 2021.09
- Secured competitive insurance quotes from diverse providers (Orient, Oman, Noor Takaful, Cigna, Aetna, BUPA, AXA, MetLife) leveraging various tools and portals, resulting in optimal policy placement.
- Negotiated premium rates, achieving cost savings and securing client wins through superior deal-making.
- Provided expert underwriting support and customer service, resolving queries and ensuring timely policy document delivery.
- Managed client payment processing, guaranteeing timely policy activation through efficient Insly portal updates.
SENIOR ASSOCIATE
IKS HEALTH PRIVATE LIMITED
Hyderabad
2016.09 - 2019.01
- Successfully managed member eligibility and benefits verification for USMD Physicians (EBVV department) as a Senior Associate in Revenue Cycle Management (RCM), contacting major payers (Medicare, Aetna, Cigna, Humana, UHC).
- Proactively resolved OTRS tickets, ensuring timely client response and adherence to SLAs.
- Efficiently processed and resubmitted claims, analyzing denial codes and resolving payer issues via phone.
- Captured and documented medical benefits in NextGen, leveraging web-based tools and phone interactions.
- Provided expert training and support to junior staff, resolving process-related queries.
ASSOCIATE
NEXT EDUCATION INDIA PRIVATE LIMITED
Hyderabad
2015.06 - 2016.07
- Achieved sales targets through effective telemarketing of educational software (DVDs).
- Provided exceptional customer service, including technical support and query resolution.
- Successfully converted leads into sales by highlighting product benefits and addressing customer concerns.
- Demonstrated proficiency in software installation and troubleshooting.
Education
B.Com - Computers
TECHNO GLOBAL UNIVERSITY
Madhya Pradesh, India 2001.04 - 2023.03
Intermediate - Commerce
GOWTHAM JUNIOR COLLEGE
Hyderabad, IndiaS.S.C -
ROYAL MISSION HIGH SCHOOL
Hyderabad, IndiaSkills
- Data analysis
- Team collaboration
- Time management
- Leadership skills
- Key account handling
- Adaptability to market changes
- Microsoft office mastery
- Strategic prospecting
- Product knowledge
- Lead generation
LANGUAGES
ENGLISH
Fluent
URDU
Native
HINDI
Fluent
TELUGU
Upper intermediate
HOBBIES
EX-YOUTUBER, VIDEO EDITING, PHOTOGRAPHY & FILM MAKING
Certification
AI Certification from Vjal Institute
Timeline
BUSINESS DEVELOPMENT MANAGER
AFIA INSURANCE BROKERAGE SERVICES LLC
2025.10 - Current
KEY ACCOUNT MANAGER
AFIA INSURANCE BROKERAGE SERVICES LLC - INSURANCEMARKET.AE
2022.12 - 2025.09
MEDICAL UNDERWRITING & CUSTOMER SERVICE
GARGASH INSURANCE SERVICES LLC
2021.10 - 2022.09
ACCOUNT EXECUTIVE
AFIA INSURANCE BROKERAGE SERVICES LLC - INSURANCEMARKET.AE
2019.03 - 2021.09
SENIOR ASSOCIATE
IKS HEALTH PRIVATE LIMITED
2016.09 - 2019.01
ASSOCIATE
NEXT EDUCATION INDIA PRIVATE LIMITED
2015.06 - 2016.07
B.Com - Computers
TECHNO GLOBAL UNIVERSITY
2001.04 - 2023.03
Intermediate - Commerce
GOWTHAM JUNIOR COLLEGE
S.S.C -
ROYAL MISSION HIGH SCHOOL