Anupama Balan Menon

• Insurance Portfolio Management: Managed risk accumulation for the Casualty Lines portfolio (growing from
$205M to $23.3B), ensuring all underwriting activities aligned with the organizations strategic risk appetite and
insurance limits.
• Risk Framework & Strategy: Led de-risking initiatives for high-hazard zones, successfully reducing portfolio
exposure by $52B across 8 Business Units. Used exposure data to inform strategic decisions on insurance capacity and
risk tolerance.
• Operational Risk & BCM Support: Conducted impact analysis on Environmental Lines, facilitating a portfolio
increase from $24.3B to $33.3B, identifying critical vulnerability points in the portfolio, amid rising environmental
volatility.
• Data-Driven Reporting (SQL & QlikSense): Visualized complex risk accumulation data using QlikSense dashboards
powered by SQL queries, transforming manual reports into real-time insights that directly supported the quarterly
insurance renewal strategy.
• Leadership & Corporate Initiatives: As a core member of the Women Inclusive Network (WIN), collaborated
directly with Senior Management to execute high-impact organizational events. Led CSR initiatives by partnering with
government schools to deliver educational programs, driving organizational culture and community engagement.

• Portfolio Governance: Scaled Casualty Lines risk oversight from $205M to $23.3B, governing
underwriting decisions across the full portfolio lifecycle while maintaining alignment with corporate risk
appetite and regulatory limits.
• Strategic De-risking: Spearheaded de-risking of high hazard geographies across 8 Business Units,
eliminating $52B in aggregate exposure directly reducing capital at risk and improving the organisations
reinsurance positioning.
• BCM & Scenario Analysis: Conducted Environmental Lines impact analysis that supported a controlled
portfolio expansion from $24.3B to $33.3B, identifying vulnerability clusters amid rising ESG driven
volatility.
• Risk Automation (SQL/QlikSense/Snowflake):
i) Replaced manual accumulation reports with QlikSense dashboards powered by SQL queries, cutting
quarterly renewal reporting cycle by an estimated 60%+ and enabling real time executive decision making.
ii) Managed end-to-end validation and data migration from multiple internal databases into a single,
consolidated Snowflake (ATLAS) system.
iii) Validated and streamlined data migration to an internal modernized repository, enabling the automation
of end-to-end risk reports by bridging Excel analysis with BI team capabilities.

• Risk Identification & Assessment: Performed deep-dive exposure analysis on emerging risks to update Corporate
Risk Registers, ensuring proactive mitigation of market and operational threats.
• Process Improvement: Developed a VBA Macro tool to automate data cleansing, achieving a 95% reduction in
processing time. This improved the accuracy of data used for insurance renewals and exposure calculations.
• Stakeholder Reporting: Designed standardized risk reports for the Risk Board using Qlik, enabling faster decision
making on complex insurance claims and exposure trends

• Risk Register Management: Maintained and updated the Corporate Risk Register through continuous
exposure analysis of emerging market and operational risks, enabling Risk Board to act on real time threat
intelligence.
• Process Automation (VBA): Engineered a VBA Macro tool that automated end to end data cleansing for
insurance renewal submissions, achieving a 95% reduction in processing time and materially improving
data quality for actuarial calculations.
• Board Level Reporting: Designed Qlik based standardised risk reports adopted by the Risk Board,
condensing complex insurance claim trends into actionable dashboards that accelerated decision cycles.

Actuarial Model Validation: Performed independent validation of Life Insurance models created by internal teams using MG-ALFA. Verified calculations for Pricing and Reserving to ensure accuracy and mitigate model risk before deployment.

• Actuarial Model Validation: Independently validated Life Insurance pricing and reserving models built on
MG-ALFA, identifying calculation discrepancies that mitigated model risk before production deployment,
protecting regulatory capital accuracy.

• Global Risk Operations: Assessed Political, Casualty, and Surety risk exposures for international business units.
Provided comparative analysis to support the Global Risk Board in defining insurance strategies for volatile regions.
• Efficiency Strategy: Strategized and deployed a reconciliation tool that reduced political risk reporting time by
80%, demonstrating a track record of operational efficiency and governance control.

• Global Risk Operations: Assessed Political, Casualty, and Surety risk exposures across international
business units, producing comparative analysis that informed Global Risk Board insurance strategy for
volatile emerging markets.
• Efficiency & Governance: Built and deployed a reconciliation automation tool that cut political risk
reporting time by 80%, a benchmark that was adopted as the standard process across the team.