ridwana moorad

• Lead and direct all strategic, operational, financial, and client relationship functions of the brokerage.
• Provide high-level insurance advisory services to commercial, corporate, and individual clients across diverse
industries.
• Structure and negotiate complex insurance programmes involving commercial property, liability, fleet, engineering,
and specialty risks.
• Conduct advanced risk assessments and advise clients on exposure management, loss prevention, and long-term
risk mitigation strategies.
• Manage sensitive and high-value claims matters while coordinating with insurers, assessors, attorneys, and
underwriters.
• Maintain extensive knowledge of underwriting principles, policy interpretation, market trends, compliance
requirements, and insurance legislation.
• Build and sustain strong relationships with insurers, underwriters, reinsurers, corporate decision-makers, and
strategic stakeholders.
• Oversee policy renewals, premium negotiations, claims resolutions, and portfolio retention strategies to maximize
client satisfaction and profitability.
• Prepare professional underwriting submissions, technical insurance reports, risk presentations, and policy
recommendations.
• Advise clients on business continuity risks, operational vulnerabilities, and insurance solutions aligned with financial
objectives.
• Demonstrate strong commercial acumen in balancing client protection requirements with competitive premium
structures.
• Mentor and guide staff while maintaining high operational standards, service excellence, and ethical business
practices.
• Advised clients on both conventional and Takaful (Shariah-compliant) insurance solutions across long-term and
short-term insurance products.
• Participated in the marketing and client servicing of Shariah-compliant insurance products while ensuring solutions
aligned with ethical and faith-based financial principles.
• Developed practical understanding of Takaful structures, Islamic insurance principles, and client-specific protection
requirements within evolving insurance markets.

• Directed daily brokerage operations including client servicing, staff supervision, business administration, and
strategic planning.
• Evaluated client risk profiles and recommended appropriate insurance structures based on operational and financial
exposures.
• Managed complex client portfolios and ensured efficient policy administration, renewals, amendments, and claims
handling.
• Implemented operational systems and process improvements that enhanced turnaround times and customer
satisfaction.
• Handled insurer negotiations and policy discussions to secure favourable terms and comprehensive coverage
solutions.
• Supervised staff performance, training, budgeting, scheduling, and operational compliance.
• Strengthened customer retention through relationship management, responsive service delivery, and problem
resolution.
• Maintained detailed understanding of insurance market practices, policy wording, underwriting considerations, and
client advisory standards.

• Directed daily brokerage operations including client servicing, staff supervision, business administration, and
strategic planning.
• Evaluated client risk profiles and recommended appropriate insurance structures based on operational and financial
exposures.
• Managed complex client portfolios and ensured efficient policy administration, renewals, amendments, and claims
handling.
• Implemented operational systems and process improvements that enhanced turnaround times and customer
satisfaction.
• Handled insurer negotiations and policy discussions to secure favourable terms and comprehensive coverage
solutions.
• Supervised staff performance, training, budgeting, scheduling, and operational compliance.
• Strengthened customer retention through relationship management, responsive service delivery, and problem
resolution.
• Maintained detailed understanding of insurance market practices, policy wording, underwriting considerations, and
client advisory standards.

• Administered insurance claims processes from initial notification through settlement and resolution.
• Liaised with clients, insurers, assessors, and service providers to ensure efficient and accurate claims handling.
• Reviewed policy documentation and assisted clients in understanding coverage, exclusions, and claims procedures.
• Developed strong technical knowledge of claims administration, insurance documentation, and policy servicing.
• Maintained accurate records and ensured compliance with internal procedures and insurer requirements.
• Provided professional client support in high-pressure and sensitive claims situations.