Shanmuga Anandhan Ramasamy

13+ years of deep expertise in Property & Casualty insurance across all personal lines. Proven ability to drive end-to-end value in P&C Rate Management—leading rate implementations, rating-engine configurations, and underwriting process optimization. Adept at competitive intelligence, product management, and policy administration systems. Skilled in delivering large-scale transformations on Guidewire, CGI and Earnix platforms. Exceptional at requirements gathering, data analysis, and stakeholder engagement, consistently bridging business and technology. Trusted by senior leaders for clear communication, customer focus and mentorship. Actively contributes to proposals, solutioning and customer-driven RFPs.

Tata Consultancy Services Ltd

From : February'2012 till date

Designation : Associate Consultant

• Certified Earnix Price-It for Insurance (Level 1)
• Guidewire Certified Ace - PolicyCenter Business Analyst - Mammoth
• Certified Associate in General Insurance (AINS)
• Associate in Insurance Services (AIS)
• Professional Scrum Product Owner II (PSPO2)
• Professional Scrum Master I (PSM1)
• CPCU 500: Foundations of Risk Management and Insurance
• SAFe 6 Agilist
• SAS Certified Base Programmer for SAS 9

January 2024 - Current

| Rating SME | Functional Consultant | Earnix -Lead Business Analyst (Earnix Pricing Rating Tool for Insurance) | Program Lead |

Tata Consultancy Services Ltd , San Antonio-TX
Customer : United Services Automobile Association, San Antonio, TX,USA
Project/Team : Auto PAS Modernization Program (GW-Earnix)

• Leading the seamless integration of Earnix with Guidewire PolicyCenter, delivering precise configuration and end-to-end alignment with external systems for optimized pricing workflows.
• Played a critical role in extracting rating rules from the legacy CGI-Ratabase system, leading the analysis, refinement, and redesign of rules for successful migration into Earnix's Price it advanced rating environment.
• Spearheaded premium validation and pricing analysis during the migration of policies from a legacy PAS to the Guidewire–Earnix ecosystem, ensuring a 100% price match and full compliance with industry regulations.
• Strategically built a cross-functional Earnix team from scratch, delivering customer value and driving revenue growth by expanding Earnix services across P&C lines.

January 2023- December 2023

| Functional Consultant | Rating SME/Analyst |GW Business Analyst-Rating|

Tata Consultancy Services Ltd , San Antonio-TX
Customer : United Services Automobile Association, San Antonio, TX,USA
Project/Team : UMB PAS Modernization Program (GW-Earnix)

• Played a critical role as a Rating Functional Consultant, facilitating the understanding and translation of umbrella rating business rules from the legacy rating engine to Guidewire Rating.
• Provided strategic guidance to product owners, configuration and integration teams to ensure accurate implementation and alignment.
• Led premium analysis and validation initiatives, providing strategic guidance on rating business rules to ensure regulatory compliance and a 100% price match for policies migrated to Guidewire Rating.
• Contributed to the integrated planning and design of Earnix rating engine implementation for umbrella lines of business, including multi-state rollout coordination.

January 2018- December 2022

| Competitive Intelligence Analyst | P&C Domain Consultant | Project Lead |

Tata Consultancy Services Ltd , San Antonio-TX
Customer : United Services Automobile Association, San Antonio, TX,USA
Project/Team : P&C Competitive Intelligence & Analysis

• Led a specialized team of competitive intelligence analysts responsible for developing key performance indicators (KPIs) for P&C personal line products(Auto, Home, and Renters) using LexisNexis InsurQuote comparative rating software.
• Designed and developed an integrated, self-service interactive competitiveness dashboard using Tableau, consolidating all KPIs and data points. Enabled product management analysts and leadership to visualize and assess the competitive positioning of P&C personal line products across key market segments
• Collaborated in the development of systems, processes, and tools to support simulation-based competitive analysis using LexisNexis InsurQuote comparative rating software. Enabled the team to conduct dynamic assessments across carriers, markets, and segments to strengthen product positioning and pricing strategy.
• Conducted deep-dive analyses of competitive metrics deviations across states and segments by comparing carrier rate changes and filings, generating monthly product performance insights that supported strategic decision-making by product line leadership.
• Contributed to multiple consulting studies focused on market trend analysis, delivering critical competitive data and insights on P&C products to support strategic decision-making by leadership.

January 2014- December 2017

| Rate Implementation Analyst | Business Analyst -Rating |

Tata Consultancy Services Ltd , Chennai-India ,San Antonio (TX),USA
Customer : United Services Automobile Association, San Antonio, TX,USA
Project/Team : P&C Rate Management.

• Collaborated closely with Pricing and IT teams to drive comprehensive requirements gathering, in-depth analysis, and solution design for implementing multiple rating products and rate revisions within the CGI Ratabase Rating Engine—successfully launching from pilot states to full-scale rollouts across P&C personal lines.
• Facilitated and led automation initiatives in the premium validation process, significantly reducing manual effort and enhancing alignment of implemented rate changes with regulatory filings for full compliance.
• Played a key role in growing and strengthening a high-performing onshore/offshore analyst team dedicated to premium analysis and validation—ensuring rating accuracy, system consistency, and compliance before and after production deployments.

February 2012- December 2013

| Developer | Integration Tester | Analyst|

Tata Consultancy Services Ltd ,Hyderabad/Chennai-India ,San Antonio (TX),USA
Customer : United Services Automobile Association, San Antonio, TX,USA

Project/Team : P&C Claims Legacy replacement, Claims Regulatory Letter Automation,Electronic Catastrophe -Bulk Action Tool.

• Played a key role in testing the functionality of various modules within the Catastrophe - Bulk Action Tool. Contributed to seamless integration of multiple components into a single application, enhancing system reliability and performance. Ensured smooth module interoperability through rigorous testing and troubleshooting.
• Led the development and ownership of multiple key functionalities in automating claims regulatory letter processes. Designed and implemented robust batch infrastructure to efficiently trigger and process bulk letters, streamlining operations and enhancing compliance workflows.
• Collaborated closely with Development teams and Subject Matter Experts (SMEs) to clarify complex business requirements during the migration of a legacy claims system to a modernized platform. Played a key role in validating business logic and testing multiple functional components to ensure accurate implementation and smooth transition.

• VISA status: H1B with approved I140.
• Proficient in Reading & Writing, Tamil, English.

• Long-Term Service Commitment Award for dedicated contributions.
• Recognized as Contextual Master in Insurance Domain for deep expertise and impact.
• Recognized as the top Mentor/Trainer for imparting deep expertise in the Insurance Domain.
• Star of the Quarter award recipient multiple times for outstanding contributions.
• Star Team Award for seamless implementation of customer vision and key project delivery.
• Best Faculty Award for excellence in handling Initial Learning Program (ILP) and Continuous Learning Program (CLP) teams.

Marathon Running ,Shuttle Badminton ,Reading business news.