Ravi Bhandoria
Open to work18 years experienceInsurance Leadership
Senior Leadership | Life Insurance Underwriting & Claims
Standing Rank
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Skills & Technologies
12 skillsGitHub Activity Evidence
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Work Experience
Senior Underwriter
MetLife Gulf
- Managed complex international life insurance underwriting cases within MetLife's Gulf operations, applying rigorous risk assessment standards across diverse markets.
Assistant Vice President – Underwriting
Bandhan Life
- Led a large underwriting team managing high-value policies, partner escalations, and executive dashboards.
- Resolved chronic KYC-based rejection issues, bringing them to zero through audit-driven process reform.
- Improved operational efficiency by standardizing dashboard protocols and significantly reducing policy turnaround time.
Chief Manager – Underwriting / Senior Manager – Underwriting
Max Life Insurance Company Limited
- Led underwriting team and 2 vendor teams aligning goals with business outcomes; reduced customer grievances by 71% in 3 months through root-cause process reform.
- Directed a high-impact savings underwriting portfolio, streamlining processes and refining risk evaluation frameworks.
- Provided expert assessments on claim admissibility; recovered Rs. 6 Crore from reinsurers through meticulous financial documentation.
- Designed and deployed an AI governance model for enterprise-wide risk management — a pioneering initiative for the underwriting function.
- Managed high-stakes cases with signing authority for substantial amounts; assessed eligibility and coverage through detailed claim analysis.
- Mentored and developed team capabilities, building a high-performance, knowledgeable underwriting unit.
Senior Manager
HDFC Life
- Managed life insurance underwriting operations with strong focus on analytical risk assessment, process improvement, and customer service excellence.
Consultant Medical Officer / Manager – Underwriting / Deputy Manager – Underwriting & Claims / Assistant Manager
Max Life Insurance Company Limited
- Specialized in evaluation of complex medical records including ECGs, TMT, and 2-D Echo; assessed claims across Dread Disease, Critical Illness, and Terminal Illness Riders.
- Progressed through four roles over 9+ years, from Assistant Manager to Manager, demonstrating consistent performance and leadership growth.
- Managed underwriting of high-value term policies and HNI cases, interpreting complex financial and medical documents for pricing and risk decisions.
- Transitioned hospitalization claim processing to a TPA model, reducing internal operational load by 40%.
- Maintained end-to-end (E2E) processing for cases, production, and POS underwriting workflows.
- Automated dashboards cutting report generation from 7 days to 2 days, significantly boosting departmental responsiveness.
Assistant Manager
MetLife
- Led digitization of reinstatement workflows; independently executed UAT and rollout, enhancing automation readiness for future underwriting processes.
Projects
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Leaderboard Standings
Leaderboard Position Pending
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Assessment Highlights
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AI Collaboration Score
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Role Compatibility Profile
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Achievements
Reduced customer grievances
Reduced customer grievances by 71% in 90 days at Max Life through systematic root-cause process reform.
Recovered Rs. 6 Crore from reinsurers
Recovered Rs. 6 Crore from reinsurers on rejected claims via meticulous medical and financial documentation.
Eliminated chronic KYC-based policy rejections
Eliminated chronic KYC-based policy rejections (to zero) at Bandhan Life through audit-driven process overhaul.
Cut internal hospitalization claim load
Cut internal hospitalization claim load by 40% through strategic TPA migration at Max Life.
Reduced dashboard report generation time
Reduced dashboard report generation from 7 days to 2 days through intelligent automation.
Designed and deployed an enterprise AI governance model
Designed and deployed an enterprise AI governance model for risk management — a first for the underwriting function.
About Details
Professional Bio
Physician-turned-insurance executive with 18+ years of progressive leadership across underwriting, claims, and medical risk management. Demonstrated ability to build and lead large cross-functional teams, drive operational excellence, and implement AI-driven governance frameworks.
BHMS in Bachelor of Homeopathic Medicine & Surgery
GGSIPU ( - Present)
D. Pharma
Delhi University ( - Present)