Underwriter. Quant. Builder.
IIT Bombay · Associate in Reinsurance (ARe) · 15+ years Commercial P&C
I spent 15 years making consequential underwriting decisions across commercial property, engineering, actuarial pricing, and reinsurance — watching the same structural problem repeat itself everywhere I worked.
The data existed. The models existed. The surveys and treaties existed.
They never talked to each other. The underwriter in the middle was the integration layer — manually connecting siloed tools, under time pressure, at the point of decisions that had real financial consequences.
I am building the architecture that closes those gaps.
Agentic AI systems for commercial insurance underwriting, built on The Underwriter's Decision Stack — an 8-layer framework mapping where AI inserts into the commercial underwriting decision.
Seven systems in build across the full stack:
SubmissionIQ → Submission intelligence and underwriting brief generation
PriceDesk → Technical pricing with deviation capture and audit trails
RiskReader → Risk engineering survey extraction and signal structuring
LossLens → Claims intelligence fed back into underwriting signals
TreatyDesk → Real-time reinsurance analytics and net position monitoring
PortfolioMind → Accumulation intelligence and live portfolio steering
AuditStack → Underwriting decision governance and closed-loop learning
Every system: Python + Claude · Working POC · Architecture docs · Executive whitepaper
| Period | Role | Organisation |
|---|---|---|
| 2025–Present | Founder | UnderwriteAI |
| 2022–Present | Quantitative Algo Trader | Self-Employed |
| 2018–2022 | Regional Head, Property & Engineering UW | AXA Gulf, Dubai |
| 2017–2018 | Head of Pricing | RSA Oman, Muscat |
| 2013–2017 | Actuarial Manager | AXA Business Services, Pune |
| 2012–2013 | Senior Analyst — Insurance | Fractal Analytics (AIG US) |
| 2010–2011 | Co-Founder | Analytics Venture, Stuttgart |
| 2008–2010 | CAT Modelling Analyst | Flagstone Reinsurance |
languages = ["Python", "SQL", "R"]
ai_tools = ["Claude", "Codex", "LLM Pipelines", "Agentic Workflows"]
actuarial = ["GLM", "Emblem", "Radar", "SAS"]
cat_models = ["RMS", "AIR", "EQECAT"]
trading = ["Systematic Strategy", "Backtesting", "Algo Execution"]- 🔨 Building SubmissionIQ — Project 1 of The Underwriter's Decision Stack
- 📝 Publishing on AI-native underwriting architecture
- 📊 Running systematic trading strategies across equity, commodity, and forex derivatives
Building at the intersection of commercial insurance and agentic AI. Intelligence at every layer of the underwriting decision.