AVON INSURANCE BROKER - DUBAI, Underwriter Motor and Medical insurance, MAY 2022 – NOV 2023. Evaluated individual and commercial motor insurance applications by analyzing risk factors such as vehicle type, driver history, usage (private/commercial), and location. Assess individual and group health insurance applications based on medical history, demographics, and occupational risk. Decide whether to accept or reject insurance proposals and determine premium rates, policy terms, and conditions. Support renewal discussions by providing data-driven recommendations and premium adjustments. Generate and issue policy quotations, terms, endorsements, and final medical policies accurately and in a timely manner. Collaborate with insurance brokers, sales teams, and client representatives to explain underwriting decisions and policy structures. Ensure full compliance with UAE regulatory frameworks (e.g., DHA, HAAD, or MOH) and internal underwriting guidelines. Issue quotations, endorsements, and final policy documents as per company underwriting guidelines. Ensure adherence to company underwriting standards, regulatory guidelines (e.g., UAE Insurance Authority), and anti-fraud measures. Use underwriting software and databases to input, analyze, and track applications and issued policies. ASKARI BANK – RAWALPINDI PAKISTAN Banking Intern - BRANCH BANKING AUG 2021 – OCT 2021, Customer Service Support. Assisted customers with account inquiries, form filling, and service requests. Guided walk-in clients on bank products like savings accounts, loans, and fixed deposits. Observed and supported teller transactions (cash deposits, withdrawals, cheque processing). Helped in organizing and verifying daily reports and transaction logs. Shadowed branch staff during basic loan processing and documentation. Learned about personal and vehicle loan criteria, EMI structures, and approval workflows.
