Nirmal Raj

Ingestion Data Model Transformation & Process Optimization

• Successfully delivered canonical data models with 1000+ new data attributes across multiple business lines and regions, supporting a wide range of insurance products and operational enhancements.
• Led the implementation of major data model expansions for NA, APAC, LATAM, and EMEA, ensuring alignment with regional requirements and business objectives.
• Standardized and consolidated data fields to improve process efficiency and data quality across various domains.
• Collaborated with cross-functional teams to identify and implement new data requirements, resulting in improved reporting capabilities and operational effectiveness.

Automation Design & Implementation for Submission Intake, Initial Rate Process

• Developed Business Requirement Documents (BRD) and mapped As-Is and To-Be process flows, analyzing FTE impact and AHT (Average Handling Time) benefits for Submission & Clearance and Initial Rate process.
• Implemented end-to-end intelligent process automation for Submission & Clearance processes across lines of business, including Property, General Liability, Auto, Workers' Comp, and Panel business.
• Automated the initial rate setup for Commercial business, including discovery and data mapping from submission documents (ACORD, Broker & Carrier Forms, SOV, Loss Runs) to downstream policy system.
• Achieved 40% Straight-Through Processing (STP) rate, reducing AHT per submission by 25%.
• Conducted gap analysis on data extraction/enrichment, optimizing extraction models and enrichment rules, which increased STP rates and further reduced manual AHT.
• Migrated data ingestion for downstream systems from screen-scraping bots to API integrations.

Automation of Underwriting Data Processes for Wholesale Property Submissions

• Automated initial rate setup for Wholesale Property submissions within the Duck Creek policy system, reducing administrative data entry for underwriters by enabling direct submission loading.
• Streamlined submission processing by integrating Schedule of Values (SOV) data and triaging submissions within Duck Creek.
• Identified primary prior carriers to automate the ingestion of their loss run data into Duck Creek for enhanced underwriting efficiency.

Insurity PDE Platform Customization & Integration

• Managed client-specific enhancements in Insurity’s Policy Decisions Evolution (PDE) platform, focusing on customization, optimization, and integration to meet evolving insurance requirements, including compliance with ISO standards.
• Executed forms implementation by mapping system fields from the PDE database to form images.
• Developed audit transaction capabilities for Auto line of business, including audit statement generation within Insurity PDE.
• Supported data mapping efforts for Workers’ Compensation audit fields, transitioning from legacy databases to the Insurity PDE database.
• Implemented high-priority optional coverages for BOP, such as Professional Liability, Extended Reporting Period, and Equipment Breakdown.
• Conducted requirements gathering for API development, enabling external customers to rate and issue policies directly through Insurity PDE.