- Hiked Camino Frances: 500 Miles in 34 Days (September 2024)
- Vipassana Meditator for past 4 years
Vishakha Bharadwaj
Short Hills,New Jersey
Summary
Results-driven Underwriter with expertise in Trade Credit insurance across APAC, translating market insights into profitable solutions. Proven in product development, including creating a Group-level clause library. Strong communicator, skilled in collaborating with senior management and commercial teams to align on strategic goals and deliver actionable results. Experienced in cross-functional leadership, leading workshops and training to strengthen underwriting practices.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Line Cook
Gramercy Tavern
10.2022 - 03.2023
- Culinary Expertise & Kitchen Operations: Proficient in preparing complex dishes and managing station workflow to meet the highest standards of food quality
- Exceptional Time Management: Skilled in coordinating tasks efficiently within a fast-paced environment, ensuring timely preparation while maintaining seamless kitchen operations.
- Performance Under Pressure: Demonstrated ability to thrive in high-pressure, high-volume settings, maintaining focus and precision while managing multiple tasks simultaneously.
Partner
Tula Meals
10.2020 - 01.2021
- Launched Pilot Meal Program: Delivered 100 organic, plant-based meals in one week
- Menu & Budget Management: Developed menu, pricing, and budget for the pilot, ensuring cost-efficiency and quality.
- Branding & Marketing Strategy: Created and executed a comprehensive branding and marketing plan, focusing on health, sustainability, and community engagement to drive customer interest.
- Client Relations & Feedback Integration: Conducted client interviews, gathered valuable feedback, and provided actionable insights for program improvements.
Food Blogger & Photographer
Self-Employed
08.2011 - 09.2020
- Content Creation & Strategy: Developed engaging food-related content, including recipes, reviews, and cooking tips, attracting a dedicated audience across multiple platforms.
- Photography & Visual Storytelling: Captured high-quality food photographs enhancing visual appeal and driving social media engagement.
- Community Engagement & Recipe Development: Engaged with followers creating a loyal community and developing unique recipes
Commercial Underwriting Director (APAC)
Euler Hermes Credit Insurance
01.2010 - 07.2011
- Chief Underwriter for APAC: Underwriting Trade Credit insurance policies with an underwriting authority of €500K while ensuring profitable and sustainable business development in alignment with commercial underwriting guidelines.
- Implementation & Training: Led the rollout of new commercial underwriting guidelines through workshops and training sessions, educating Commercial Directors, Account Managers, and Sales teams across APAC.
- Market Expertise: Developed a deep understanding of market specifics for each business unit, leveraging insights to underwrite profitably
- Product Development & Market innovation: Played a pivotal role in the development of a new product, providing critical market insights and underwriting expertise. Contributed to the creation of a Group-level clause library, strengthening product offerings and enhancing market competitiveness.
- Cross-functional Communication & Negotiation: Demonstrated strong communication and negotiation skills in daily interactions with Group Senior Management, CEOs, and Commercial/Risk Underwriters to align on strategic objectives.
Head of Commercial Department
Euler Hermes Credit Insurance
08.2008 - 12.2009
- Portfolio Management & Underwriting: Oversaw growth, retention, and profitability of the TCI portfolio across ASEAN, underwriting large and complex renewals, and negotiating policy terms with key clients and brokers to ensure profitable business retention.
- Leadership & Strategic Growth: Mentored a team of 10 account managers across multiple ASEAN countries, built strong relationships with key partners and clients (including banks and MNCs), and contributed to strategic marketing and business decisions as part of the ASEAN management team.
Commercial Manager
Euler Hermes Credit Insurance
09.2007 - 07.2008
- Portfolio Growth & Underwriting: Managed the renewal of the Singapore portfolio, underwriting existing business, organic growth and ensuring long-term client retention.
- Client & Broker Relationship Management: Strengthened key client and broker relationships
- Training & Development: Trained Commercial Underwriters in Euler Hermes India, sharing expertise and sharpening underwriting capabilities within the team
Commercial Manager
Euler Hermes Credit Insurance
03.2007 - 08.2007
- Business Continuity & Process Improvement: Handpicked by the CEO and deputed to Mumbai to drive business continuity and streamline processes for operational efficiency.
- Strategic Partnerships & Growth: Strengthened and expanded partnerships with reinsurers, identifying new business opportunities and driving growth in key markets.
- Team Building & Leadership: Successfully recruited and built a high-performing team, including a commercial manager, risk manager, and underwriters, to enhance business capabilities.
- Market Expansion & Deal Negotiation: Secured the first major deal in India with a leading bank for their accounts receivable financing business, marking a key milestone in market expansion.
- Product Awareness & Networking: Cultivated strong relationships with brokers and banks, leading product awareness initiatives through targeted workshops in key strategic locations across the country.
Account Manager
Euler Hermes Credit Insurance
04.2005 - 02.2007
- Client relationship management, underwriting and renewal of policies
- Initiated and implemented changes to improve the account management process
- Developed monthly commercial report for ASEAN + India for CEO
Account Executive
Euler Hermes Credit Insurance
11.2004 - 03.2005
Project Coordinator
Euler Hermes Credit Insurance
07.2003 - 10.2004
- Led the successful rollout of Pluriform, the commercial & claims management system, leveraging deep regulatory knowledge, identifying functional gaps, and coordinating user training and testing while fostering collaboration between IT and business teams.
Commercial Support Executive
Euler Hermes Credit Insurance
04.2002 - 06.2003
Education
Certification - Health Coach
Insitute For Integrative Nutrition
08-2024
Certificate in Culinary Arts - Culinary Arts
Insitite of Culinary Education
New York, NY12-2022
Bachelors of Business Administration - Finance & Banking
Assumption University
Bangkok, Thailand01.2000
Skills
- Credit Insurance Underwriting
- Claims Management
- Account Management
- Risk Management
- Problem Solving
- MS Office
- Leadership & Strategic thinking
- Client & Broker relationship management
- Credit Insurance Policy development
- Teamwork and collaboration
- Analytical skills
- MS Office
Certification
Certificate in Culinary Arts, At-Sunrice Culinary Academy, Singapore
Interests
Timeline
Line Cook
Gramercy Tavern
10.2022 - 03.2023
Partner
Tula Meals
10.2020 - 01.2021
Food Blogger & Photographer
Self-Employed
08.2011 - 09.2020
Commercial Underwriting Director (APAC)
Euler Hermes Credit Insurance
01.2010 - 07.2011
Head of Commercial Department
Euler Hermes Credit Insurance
08.2008 - 12.2009
Commercial Manager
Euler Hermes Credit Insurance
09.2007 - 07.2008
Commercial Manager
Euler Hermes Credit Insurance
03.2007 - 08.2007
Account Manager
Euler Hermes Credit Insurance
04.2005 - 02.2007
Account Executive
Euler Hermes Credit Insurance
11.2004 - 03.2005
Project Coordinator
Euler Hermes Credit Insurance
07.2003 - 10.2004
Commercial Support Executive
Euler Hermes Credit Insurance
04.2002 - 06.2003
Certificate in Culinary Arts, At-Sunrice Culinary Academy, Singapore
Certification - Health Coach
Insitute For Integrative Nutrition
Certificate in Culinary Arts - Culinary Arts
Insitite of Culinary Education
Bachelors of Business Administration - Finance & Banking
Assumption University
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