Owais Ahmed

Served as primary broker and trusted advisor for a $15–20M UAE corporate health and employee benefits portfolio, maintaining 92% renewal retention and achieving 12% average renewal savings. Applied DMAIC/Lean Six Sigma practices to reduce average loss ratios from 110% to 85% through claims triangulation, deductible impact modelling, and benefit plan redesign.

Led end-to-end employee benefits operations for SME, Enhanced, and large conglomerate accounts, supporting 40+ large conglomerate schemes and driving 20% year-on-year portfolio growth. Delivered wellness programme strategy and reporting at board/C-suite level, and improved portfolio loss ratios by 15% through claims governance and DMAIC-based interventions.

Managed corporate health insurance client accounts covering group medical, group life, and ancillary employee benefits, including renewal management and claims resolution. Redesigned complaint-handling and claims coordination processes to reduce resolution time by 40% and improve client satisfaction by 18 points.

Processed and validated medical claims against UAE DHA/HAAD regulatory requirements using ICD-9/CPT coding standards. Produced monthly claims and loss-ratio performance reporting and supported FWA audit processes and HAAD online regulatory system administration.

Completed a Bachelor of Dental Surgery (BDS) degree with clinical training that supports interpreting ICD-9/CPT claims data, validating medical coding accuracy, and analyzing clinical utilisation patterns.