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yogesh User

@yogeshuser14

Underwriting & Claims Consultant at TransValue Consultants on a Sun Insurance Company Limited assignment, reviewing quotations and complex claims.

India

Message

What I'm looking for

I’m targeting P&C or General Insurance underwriting, claims, and insurance operations roles, with global, overseas, or international insurance exposure.

At TransValue Consultants, I review General Insurance quotations for an overseas assignment with Sun Insurance Company Limited, Fiji. I check risks against underwriting guidelines and review renewal cases and premium workpapers.

I also review complex and potentially disputed claims, assessing policy wording, coverage, documentation, and liability. I prepare structured claim recommendation reports for management consideration, drawing on experience across Motor, Property, Fire & Extraneous Perils, and Marine insurance.

Experience

Work history, roles, and key accomplishments

Current

Underwriting & Claims Consultant

Current

TransValue Consultants

Dec 2025 - Present (10 months)

Review general insurance quotations, assess risks, and support complex claims for Sun Insurance Company Limited. Prepare structured claim recommendations and coordinate with stakeholders.

Insurance Underwriting Risk Assessment Quotation Review Renewal Review Policy Wording Claims Assessment Coverage Analysis Documentation Review Excel Stakeholder Coordination

Insurance Underwriter

IFFCO Tokio General Insurance Co. Ltd.

Jun 2024 - Jul 2025 (1 year 1 month)

Reviewed Motor, Health, and Property insurance proposals, assessed risks, and made underwriting decisions. Coordinated with surveyors and branches for risk clarification.

Motor Insurance Health Insurance Property Insurance Risk Assessment Underwriting Guideline Knowledge Fraud Detection Survey Reporting Stakeholder Coordination

Commercial Underwriter

Kotak Mahindra Bank

Feb 2024 - May 2024 (3 months)

Evaluated SME and Business Loan proposals, reviewed financial statements and cash flows, and prepared credit assessment notes. Coordinated with sales, credit, and legal teams.

SME Lending Financial Analysis Credit Risk Assessment Cash Flow Analysis Bureau Reporting Credit Compliance Excel

Retail Loan Underwriter

IndusInd Bank

Dec 2021 - Jan 2024 (2 years 1 month)

Underwrote Personal Loans, Business Loans, LAP, and Auto Loans with end-to-end eligibility and credit assessment. Performed FOIR/DBR analysis and fraud risk checks.

Retail Lending Credit Assessment KYC Verification FOIR Analysis Bureau Checks Fraud Detection Excel