Sashi K. Nair

• Managing comprehensive reinsurance portfolio for General Insurance, encompassing treaty and facultative placements across Property, Engineering, Marine, Liability, and specialty lines.
• Developed and executed strategic reinsurance programs to optimize risk transfer and enhance portfolio profitability.
• Cultivated and maintained strong relationships with global reinsurers, ensuring favorable terms and capacity for diverse client needs.
• Conducted in-depth market analysis to identify emerging trends and opportunities within reinsurance landscape.
• Providing expert advisory and technical support to clients on complex reinsurance structures and risk management solutions.
• Working with regulator on Managing Agency

• Associated with Liberty General Insurance Ltd from R2 stage and part of founder member team.
• Integral member of Corporate Technical team, shaping underwriting, risk engineering and reinsurance strategies.
• Played key role in establishing core systems and enhancing underwriting process using advanced excel (VBA).
• Vital role played while setting up standard operating protocol
• Led reinsurance function, developing robust structure that served as both business enabler and financial Protector
• Headed reinsurance function, encompassing treaty, facultative and reinsurance accounting.
• Collaborating with regional reinsurance/underwriting team for global account placements and new products adaptation
• Structure and placement of reinsurance program depends on underwriting philosophy and future business plans
• Ensured regulatory compliances and represented company in regulatory matters.
• Led financial, casualty and specialty lines portfolio management
• Developed products and set self-motivated targets
• Instrumental in filing unique “Warranty & Indemnity” in Indian market
• Built Liability portfolio of best-in-class loss ratio with CAGR of 19%
• Portfolio management with beating targeted Combined Operating Ratio and loss ratio.
• Enabled distribution partners to build sustainable liability portfolio

• Reinsurance Core Team: Set up underwriting & operations processes; led treaty administration and monthly treaty bordereaux/confirmations to participants.
• Reporting & Analytics: Produced ENPI, GNPI, Gross-to-Net reports; monitored ceded vs. net retained premium and coefficient variance; prepared line-wise MIS pan-India.
• Retention & UW Direction: Guided UW/operations on retention, reinsurance structures, and compliance across branches.
• Facultative Reinsurance (end-to-end): Marketed fac support, placed covers, remitted premiums, and managed claims recoveries; performed FAC-inward and treaty account reconciliations.
• Treaty Renewals: Ran treaty analysis, created information packs, and coordinated with reinsurers; collaborated with claims on cat losses and cash-loss advices.
• Wordings & Rating: Co-developed policy wordings, terms, and raters for Property/Engineering; introduced peril-wise fire rating; drafted policy schedules for corporate LOBs.
• Underwriting Governance: Helped establish UW guidelines, hierarchy/authorities; ensured adherence to corporate UW governance.
• Risk Assessment: Summarized risk inspection reports; tracked risk-improvement actions with marketing and clients.
• GEB Account: Managed Global Employee Benefits—case tracking, transactions, correspondence, settlement.
• IT/Systems Enablement: Owned specifications for new builds & fixes; coordinated system setup, reports, schedules; led UAT and operationalization.
• Operations Leadership (Non-Motor): National-level responsibility for SOPs, issue resolution, and process controls; recruited & trained operations staff across India; conducted regular branch audits.
• Training & Enablement: Delivered quarterly product trainings (retail focus) and frequent branch trainings on operations, systems, and underwriting.
• Regulatory/Actuarial Interface: Worked with actuarial on IRDAI/GIC reporting, claims triangles, and profitability ratios.

• Led a team of fifteen members, responsible for underwriting and issuance of policies pertaining to Mumbai region consisting of 14 SBUs.
• Responsible for all the Fire, Burglary, All Risk, Accident & Health Product Policies underwritten from Mumbai Underwriting Hub. Main responsibilities: -
• Co-coordinating, helping, and controlling the branch underwriters to adhere to the underwriting guidelines drawn down by the corporate office.
• Obtain approvals from the corporate office for the deviations and SBU limits.
• Managing reinsurance allocation.
• Trouble short the queries from branches on underwriting and operations.
• Providing circulars to branches issued by the corporate office regarding the new underwriting guidelines.
• Interaction with auditors at the time of auditing.
• Overall responsible of Engineering, Motor & Marine which is managed by separate underwriters. Main responsibilities under these lines are: -
• Providing directions regarding the claim experience details to SBU by doing portfolio analysis for major tie-ups and franchise through the help of corporate office. Especially in motor business used to provide quarterly analysis of vehicles wise agent wise performance and with the reference of that used take decisions on accepting the quantity of business from tie-ups or vehicles.
• Keeping track of SBU’s day to day activities with the help of MIS
• Co-ordinating with Corporate for Reinsurance issues and other System issues.
• Preparing quotations of Fire Policies for SBUs.
• Ensuring the quality of the policies issued adhering to underwriting guidelines issued by the corporate office.
• Leading a group of fifteen people, who are responsible for Underwriting and Policy Issuance.
• Consulting with the Claims and Accounts department while Debtors and Claim settlements issues arise.

• Processed Property, Engineering and Marine insurance applications, assisting the underwriters.
• Scrutiny of proposals (insurance applications) as per the guidelines laid down by underwriting and operations departments.
• Liaising with Business Units and branches for clarification of various issues.
• Ensure High Level Quality of Service Delivery and Customer Satisfaction.
• Maintained Error Rate below at the minimum level by ensuring good. Efficiency/Productivity.
• Managing three outsourced people
• A good Compliance with operational procedures and organizational policies.
• Responsible for weekly MIS and forwarding to respective departments.
• Interact with ROS for Systems related issues and enhancements.

• Handling Cover Note Allotment Procedure.
• Preparation and review daily MIS reports and forwarding them to functional heads.
• In-warding Process (Including checking documents and forwarding to respective sections).
• Assist in Agent Empanelment & Audit.
• Issuing Commercial Line Policies of Fire, Burglary, Money, Boiler Pressure Plant and All Risk.

• Keeping accounts of Roadline firm up to finalization.
• Routine works in M.S.Windows (Word & Excel)
• Handling software for Accounts & Maintenance.
• Handling cash and allied transactions.