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Sivakumar Ranghat
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English Professional working proficiency
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Malayalam Full professional proficiency
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Tamil Elementary proficiency
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Hindi Professional working proficiency
- Team Management
- Health Insurance
- General Insurance
- Insurance
- Underwriting
- Show all
Bio
Credentials
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Building Rapport with Customers
LinkedInJun, 2022- Apr, 2026 -
Complex Negotiation Tips
LinkedInJun, 2022- Apr, 2026 -
Customer Experience Excellence
LinkedInJun, 2022- Apr, 2026 -
Customer Service in the Field
LinkedInJun, 2022- Apr, 2026 -
Customer Service: Handling Abusive Customers
LinkedInJun, 2022- Apr, 2026 -
Customer Service: Problem Solving and Troubleshooting
LinkedInJun, 2022- Apr, 2026 -
Customer Service: Serving Internal Customers
LinkedInJun, 2022- Apr, 2026 -
Delivering Bad News to a Customer
LinkedInJun, 2022- Apr, 2026 -
Negotiation Foundations
LinkedInJun, 2022- Apr, 2026 -
Providing Legendary Customer Service
LinkedInJun, 2022- Apr, 2026 -
Creating a Positive Customer Experience
LinkedInMay, 2022- Apr, 2026 -
Customer Service Foundations
LinkedInMay, 2022- Apr, 2026 -
Customer Service: Managing Customer Expectations
LinkedInMay, 2022- Apr, 2026 -
Listening to Customers
LinkedInMay, 2022- Apr, 2026
Experience
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Chedid Capital
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Sharjah, United Arab Emirates
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Assistant Manager - Employee Benefits
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Feb 2019 - Present
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Sharjah, United Arab Emirates
• Supervise both individual and endorsement team advice them with exact solutions wherever needed as well as assure the best service to our clients being the first escalation point for resolve and disperse grievances• Part of the process improvement team for enhancing the service levels of the team • Meet the HNI clients by providing with the best solutions from the leading International Insurance providers• Hands-on exposure to the Corporate and SME lines with proven track record of meeting the clients and getting the firm order, conversation ratio is higher than average.• Manage Corporate and SME Renewal book by understanding client expectations - starting from getting the terms from the market, preparing the accurate benefits, premium and network comparison sheets, bespoke arrangements to encounter the competitions and walk in to the final meeting to retain the business• Maintaining a good relationship with the Insurance providers for ready redressal and to have extended support to close the business• Reports to the Head of Medical – Responsible for SME renewal retention and team performance. Reports generation and meeting up with the management as on monthly basisAchievements: -• Studied and introduced a detailed process flow for the endorsement which is later approved by our Head office for implementation• Developed a structured framework for the endorsement as well and individual team to monitor their work done as well as for the reporting purposes - Includes an exclusive spreadsheet where all credentials are included to gauge the TAT for each transactions and retrieve the data any point without any hassle• Developed an exclusive benefit and premium comparison sheet for presentation purpose.
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Lockton Companies
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United Arab Emirates
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Placement Officer - Employee Benefits
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Nov 2017 - Jan 2019
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United Arab Emirates
• Analyzes client requirements and recommends insurance solutions within the budgetary framework provided• Manages the negotiations with insurance providers and ensures maximum yield for the company• Assists the sales team in advising the client to select the “best” solution among the panel of providers• Works towards meeting the company conversion ratio targets• Obtains medical and group life quotations from markets for new business and renewals• Reviews quotation received and prepares exclusive comparison sheets (benefit, premium and network)• Well experienced in representing the best bespoke arrangement through detailed excel sheet to explicit the changes on the current benefits with respect to the proposals and the cost containment measures for the client to make clear decision• Documenting the communications and client data by using a completely secured online portal for future references • Coordinates with insurer and the client for submission of required documents when the firm order is received and extent the duty to the client services team to administer the policy
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Orient Insurance
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Dubai, United Arab Emirates
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Insurance Specialist
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Mar 2017 - Nov 2017
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Dubai, United Arab Emirates
• Management of Medical Insurance underwriting ranging from preparation of quotation, policy processing and policy renewals.• Function as the initial point of contact regarding inquiry, complaints or requests from the direct agents or brokers• Asses level of risks on various Medical insurance applications, either Group or Individual and determine whether to accept or decline the risks or the applicant.• Policy servicing of the basic DHA plans for the dependents and lower salary bracket applicants• Assess addition, deletion or cancellation requests and ensuring that all the necessary supporting documents are provided• Prepare renewal notices to existing policies in the portfolio and evaluate claim performance of the group over the past year and determine loading figures/discounts with approval from the management.• Remain aware of current industry trends through development of excellent relationship with brokers, TPA etc.• Experience with the TATAH web based application – Addition/deletion and policy validation under the same application• DHA basic/enhanced policy validation and member upload to DHA’s member registry log• Respond to quires of clients /brokers regarding plans, coverage, networks, requirements and all relative concerns • Monitor following –up and handling TPA policy issuance, card printing, endorsement and issues regarding the system with the team• Contact and communicate to the clients and the brokers to solve all pending or outstanding cases.• Issuing the Debit & Credit notes ( premium and commissions) for any endorsements such as additions,deletions as well as the new policies.• Handling individual claims docs by checking whether the documents are provided and as per the reimbursement procedure • Preparing the monthly premium production report for the medical department
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Insurance Underwriter- Medical
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Oct 2014 - Jan 2017
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Dubai
• Manage all VIP clients and retaining HNI, White & Blue-Collar clients' policies located in the UAE, Middle East, Europe and South East Asia region on New Business and Renewals.• Educate and Train all the Employee Benefits Advisor(s) regarding the policy scheme and to prepare well detailed medical insurance proposals to clients and finalize the business.• Issuing online quotations from web portals for group medical policies• Issuing Group medical, Group Life and Individual medical quotations• Group medical – Quote comparison and negotiations• Handling renewals for Group medical, Group Life and Individual medical policies• Exposure to International providers and their products – IHI Bupa, BUPA GLOBAL , AXA NOWHEALTH, German Care, Cigna, Morganprice etc. Well exposure to Local-Regional providers and their products – DNIRC, AL SAGR, ORIENT, AXA, NIA, DAMAN etc• Documentation of debit notes, credit notes, policy documents for future reference and audit purposes.• Constant contacts and follow up with the Insurance providers to get maximum results in time to provide best service delivery to the customers• Handling customer enquiries and provide with quality services to our customers
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Sutherland Global Services
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Cochin Area, India
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Business Analyst
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Feb 2012 - Sep 2014
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Cochin Area, India
• Underwriting support for US Commercial Insurance domain • Verifying and calculating rates for each line of business - Property, Automobile, General Liability with the help of Citrix applications• Issuing quotes to the broker through e-mail and processing the completed quotes to bind the policy• Rate the policy as per the rates given by the onshore team and final policy document is prepared for issuing to the broker• Issuing the Policy to the broker with all the forms and the endorsements if any to the broker • Pulling loss runs for prior 5 years to check the viability of the policy and audit request is generated if the result is above 50%• Collecting specific details from broker through calls on a real time basis while processing claims and Interacting with onshore underwriters through phone to deliver quick results
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Education
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2008 - 2010University of Calicut
Master of Business Administration (MBA), HR & Marketing -
2005 - 2008
University of Calicut
Bachelor’s Degree, Chemistry
Suggested Services
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Industry Focus. “Insurance”
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