فراس خلوف

• Dealing proactively with the day to day business inquiries.
• Submitting & negotiating quotation with the Client & Broker, in coordination with the Sales & Development team.
• Advising clients, brokers and technical departments on the Risk Improvement & Risk Management.
• Training & Grooming Junior Technical staff, to help them grow in the organization
• Achieving production targets through the smooth and efficient operating of their team
• Capacity planning
• Prepares volume forecasts for next period using historic data and awareness of current conditions
• Produces a fully-balanced capacity plan, focusing on delivery of business objectives through effective utilisation of team.
• Maintains accurate records of time spent on diverted activity and how staff time is distributed
• Develop, establish and implement underwriting, claims and reinsurance strategies, guidelines and procedures to achieve maximum long term profit and growth.
• Lead, develop and maintain underwriting, claims and reinsurance processes.
• Mentor team of experience underwriters, claim handlers and reinsurance staff.
• Technical point of reference for all underwriters, claims and reinsurance staff.
• Perform underwriting performance analysis of all lines.
• Lead the development of policy wordings and new products.
• Provide underwriting & Technical input to complex claims.
• Establish and delegate authorities to underwriting, claims and reinsurance staff and ensure their adherence to them.
• Represent the company in all meetings with insurers, reinsurers, and providers.
• Monitor the underwriting, claims and reinsurance performance of all of the company’s portfolios.
• Take all necessary corrective actions to maintain the long term viability of the portfolios.
• Ensure that the company meets its legal and regulatory responsibilities in the underwriting, claims handling and reinsurance activities.
• Assume a wide range of additional responsibilities to support the effective running of the company. This will include strategy and business development activities and will also play a significant role in new policy developments.
• Oversee processing and investigation of claims and manage disputes.
• Develop, establish, implement and manage a comprehensive risk management service, risk analysis, claims management administration, loss control and safety programs.
• Develop a customer focused culture to drive the new product offerings through the growth stages of the company.
• Successfully inspire, mentor and develop teams to deliver on objectives.

Responsible for overall performance of the organization
Assist in monitoring overall customer satisfaction
Improve productivity, customer relations and service, and surpassing regional goals.
Coordinate with, mentor and motivate sales leaders and branch managers.
Conduct branches and clients visits to assess the conditions and recommend changes.
Doing periodic performance evaluations to ensure that their team is on the right path to achieving their goals.
Responsibilities include:
• Visiting clients' locations
• Working with store managers
• Assessing the productivity and achievements of the stores
• Recommending changes
• Mentoring employees
• Implementing and enforcing company regulations
• Planning and coordinate sales training sessions
• Recruiting, interviewing and dismissing employees
• Reviewing measures to achieve performance targets
• Attending conferences, events and meetings
• Leading by example
• Preparing, reviewing and reporting on budgets and expenditure
• Negotiating contracts and deals
In this job, I work long hours or shifts.
I work out of an office but do travel to sites and branch offices.

Head of this committee, the members of the committee are the departments’ heads and the regional managers, the key roles and responsibilities of the committee are:
• To assess the Company’s risk profile and key areas of risk in particular.
• To articulate the Company’s policy for the oversight and management of business risks.
• To examine and determine the sufficiency of the Company’s internal processes for reporting on and managing key risk areas.
• To assess and recommend the Board acceptable levels of risk.
• To develop and implement a risk management framework and internal control system.
• To review management’s response to the Company’s auditors’ recommendations those are adopted.
• To define the risk appetite of the organization.
• To exercise oversight of management’s responsibilities, and review the risk profile of the organization to ensure that risk is not higher than the risk appetite determined by the board.
• To ensure that the Company is taking appropriate measures to achieve prudent balance between risk and reward in both ongoing and new business activities.
• To assist the Board in setting risk strategies, policies, frameworks, models and procedures in liaison with management and in the discharge of its duties relating to corporate accountability and associated risk in terms of management assurance and reporting.
• To review and assess the nature, role, responsibility and authority of the risk management function within the Company and outline the scope of risk management work.
• To ensure that the Company has implemented an effective ongoing process to identify risk, to measure its potential impact against a broad set of assumptions and then to activate what is necessary to pro-actively manage these risks, and to decide the Company’s appetite or tolerance for risk.
• To ensure that a systematic, documented assessment of the processes and outcomes surrounding key risks is undertaken at least annually for the purpose of making its public statement on risk management including internal control.
• To oversee formal reviews of activities associated with the effectiveness of risk management and internal control processes. A comprehensive system of control should be established to ensure that risks are mitigated and that the Company’s objectives are attained.
• To review processes and procedures to ensure the effectiveness of internal systems of control so that decision-making capability and accuracy of reporting and financial results are always maintained at an optimal level.
• To monitor external developments relating to the practice of corporate accountability and the reporting of specifically associated risk, including emerging and prospective impacts.
• To fulfill its statutory, fiduciary and regulatory responsibilities and SAMA Compliance.
• To ensure that the risk awareness culture is pervasive throughout the organization.
• To review issues raised by Internal Audit that impact the risk management framework.
• To ensure that infrastructure, resources and systems are in place for risk management is adequate to maintain a satisfactory level of risk management discipline.
• The Board shall review the performance of the risk management committee annually.
• Perform other activities related to risk management as requested by the Board of Directors or to address issues related to any significant subject within its term of reference.

Primarily responsible for providing leadership, support and guidance to the Technical and Sales team.
In charge of ensuring that the Technical team complies with the goals, objectives and standards of the organization in order to meet customer satisfaction and deadlines.
Interpreting and implementing guidelines for the technical team.
Assessing the risk posed by a client to the company. Uses various risk assessment software in order to regularly carry out risk assessment for various individuals and groups.
In charge of coming up with policy packages that meet the needs of various clients, while still maintaining company profitability.
Directly reporting to the CEO

Request for quotations from insurance companies in the market
Prepare the brokerage slip considering all the insurance requirements that protect my client
Submit a comparison study to the client and explain to him every thing inside the insurance quotations
Recommend the best offer to the client
Follow up with the insurance company for all the transactions related to the clients policies

Proactively ensure that the Claims Manager is aware of relevant issues and/or that issues or actions are passed to Claims colleagues.
Monitor actions on behalf of the Claims Manager to ensure that they carried out and deadlines are met.
To ensure the Claims Manager is at all times fully briefed and prepared for meetings at all levels within the Group, Division and Claims
To identify and deliver an efficient working environment for the Claims Manager to ensure time is appropriately focused at all times on what matters most and to assume responsibility or delegate other tasks on behalf of the Claims MD as required
Coordination (and where appropriate creation) of all reporting, including Risk & Audit Committee papers, reports to CEO, and any other governance reports.
Attend meetings on behalf of the Claims Manager to ensure awareness of any particular issue and provide views and challenge to ensure correct paths are taken.
Approve all Motor Claims Settlements, which are not higher than 25, 000 USD
Reporting All claims portfolio and analyzing the profitability of the Motor Insurance Pool

Develop and maintain strong working relationships with internal and external business partners.
Meet renewal retention goals through strong negotiation and communication skills which may involve onsite meetings with brokers, clients, or centers of influence.
Analyze current policy data including billing, inspection reports and loss runs to make educated decision on renewal PCG business.
Identify and target new business and cross sell opportunities by building relationships with producers and account managers.
Understand and adhere to authority guidelines
Ensure polices contain all compliance related documentation
Adhere to department standards and objective

Assessing background information on the client
Studying insurance proposals
Calculating the risk
Deciding how much should be paid out
Liaising with professionals and specialists to help judge risk assessment
Selecting appropriate and competitive premiums based on information and judgement
Writing policies and adding specific conditions when required
Deciding whether the risk should be shared with a re-insurer
Negotiating terms

Underwriting motor fleet risks and other commercial motor classes.
Delivering planned financial results through the effective underwriting of cases.
Contributing to the loss ratio control by effectively adhering to branch UW controls.
Building effective trading relationships with Brokers through trading activity - being recognised as a positive trading partner.
Identifying poorly performing accounts and investigating reasons for lack of retention.
Contributing to the improvement of profitability by implementing actions agreed with brokers to improve account performance