Mohammed Salim Patel
Abu Dhabi,UAE
Summary
Seasoned professional with 14 Years experience & focus on underwriting in insurance sector. Possessing unique skills in risk analysis and financial assessment. can deliver robust underwriting strategies leading to company growth. Expertise in using cutting-edge underwriting software to enhance precision, ensuring sound financial decisions.
Overview
14
14
years of professional experience
2010
2010
years of post-secondary education
Work history
Underwriting Officer -General
Yas Takaful P.J.S.C
AUH, UAE
08.2023 - 06.2025
- Built and maintained strong client relationships, supporting business retention, portfolio management, and customer satisfaction.
- Evaluated insurance applications, analyzed risk exposures, and calculated premiums, ensuring sound underwriting decisions.
- Conducted detailed analysis of loss ratios and previous claims experience to determine underwriting terms.
- Handled B2B/B2C Takaful Travel Insurance portal operations and provided timely support to brokers and clients.
- Streamlined underwriting procedures and conducted audits to improve efficiency and ensure continued policy suitability.
- Coordinated with claims and senior management teams, delivering strategic reports and improving claims turnaround times.
- Ensured compliance with regulatory standards, reviewed policy documents, and advised clients on tailored coverage options.
- Successfully managed the renewal portfolio, increasing the conversion ratio from 20% to 70% in underwriting year 2024 through effective client engagement and tailored solution.
- Achieved individual target of AED 7 million for underwriting year 2024 by managing major package policies and contributing to the General Department’s overall target of AED 34 million through coordination with brokers, clients, and the sales team.
- Maintained accurate daily records of new business activities for reporting purposes, ensuring transparency and data availability for management review.
Technical Officer
Al Wathba National Insurance Company P.J.S.C
05.2018 - 03.2023
- Assessed medical and general insurance applications by evaluating risk, determining insurability, and setting premiums based on underwriting guidelines.
- Coordinated with reinsurers for high-risk cases and to obtain optimal terms for reinsurer-based policies.
- Prepared quotations, handled B2B client inquiries via in house portal, and followed up with brokers, agents, and clients for feedback.
- Analyzed statistical and performance reports, including claims forecasting, and monitored monthly policy performance.
- Supported business development through market research, client targeting, and assisting agents in client communication strategies.
Associate Underwriter
Dar Al Takaful P.J.S.C
02.2017 - 05.2018
- Managed new and renewal medical insurance policies for group, individual, and conventional plans, coordinating with over 80 brokers.
- Issued quotations through MedNet and NAS TPAs, tailoring coverage based on client needs and HAAD/DHA regulations.
- Conducted detailed analysis of loss ratios and previous claims experience to determine underwriting terms.
- Collaborated with reinsurer (Munich RE) on complex cases, securing appropriate premiums and policy terms.
- Reconciled TPA payments, reviewed premium files, and ensured accurate reporting to accounts and regulatory bodies.
- Used Toshfa system for quotation processing and maintained compliance through proper documentation and DHA reporting.
Technical Officer (Customer Unit) Associate Insurance Consultant
08.2016 - 01.2017
- Managed new and renewal policies for Daman (Basic, Enhanced, Individual) and other insurers (AXA, MetLife, Aetna, Allianz), including issuing quotations and customizing plans per HAAD/DHA guidelines.
- Oversaw endorsements, additions/deletions, and underwriting for group and corporate clients based on claims history and client requirements.
- Handled medical and Workmen’s Compensation claims, reconciled TPA payments, and coordinated with clients and guarantors for claim settlements and reporting.
Assistant Medical Underwriter
Al Wathba National Insurance Company P.J.S.C.
04.2011 - 07.2016
Education
Bachelor of Commerce -
Dalmia Lion College of Commerce & Economics
Skills
- Team Player
- Critical & agile thinker
- Self-management
- Responsible decision-making
- Knowledge of underwriting systems like Oracle Premia, Aman System and Toshfa
- Familiarity with risk metrics
- Compliance auditing
- Microsoft Office proficiency
- Policy renewal
- Policy quoting and pricing
- Interpersonal communication
Personal Information
- Nationality: Indian
- Marital status: Married with 2 children
Custom
- Completed AML Certificate & training at Yas Takaful P.J.S.C.
- Customer Service & Sales training, Al Khawarizmi International Abu Dhabi UAE.
- Certificate in Reinsurance, Medical & Health Insurance, EIBFS, Abu Dhabi.
- Technical Underwriting Training, Dar Al Takaful by Munich - RE.
- Oracle Work Force Development Program, SQL, PL-SQL, DBA-1, DBA-2, Performance Tuning, Aptech Computer Education, Mumbai.
- Customer Service, voice & accent, hardware training, One Box Software with Aditya Birla Group.
Timeline
Underwriting Officer -General
Yas Takaful P.J.S.C
08.2023 - 06.2025
Technical Officer
Al Wathba National Insurance Company P.J.S.C
05.2018 - 03.2023
Associate Underwriter
Dar Al Takaful P.J.S.C
02.2017 - 05.2018
Technical Officer (Customer Unit) Associate Insurance Consultant
08.2016 - 01.2017
Assistant Medical Underwriter
Al Wathba National Insurance Company P.J.S.C.
04.2011 - 07.2016
Bachelor of Commerce -
Dalmia Lion College of Commerce & Economics
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