Harsh Vakharia

• Performed experience analysis on existing long term business using SQL and GGY-AXIS and presented results to senior management. • Used experience analysis to adjust the mortality assumptions to align with observed mortality trends. • Automated quarterly process using SQL and VBA to improve efficiency and reduce turnaround time by 60% • Prepared in-force business data for valuation of business and calculation of reserves. • Carried out quarterly forecasting of premium and claims for the year.

• Performed experience analysis for individual savings and term, GCL, GTL and health products using SQL and MS Excel. • Used results from experience analysis to update mortality basis for pricing. • Priced and profit tested critical illness riders, GCL and GTL schemes. • Managed key GCL clients - identified client needs and delivered customized solutions across pricing, treaty setup, and settlements. • Supported Data Science team with data sourcing and SQL uploads.

• Applied R programming for geospatial smoothing and clustering of motor insurance claims to analyze at district level. • Benchmarked key financial and actuarial ratios against competitors and presented insights in quarterly meetings