Natcharint Tiyabovonwong
Senior Underwriting Professional | P&C and Commercial Lines Specialist
Bangkok, TH.About
Highly analytical and results-driven underwriting professional with over 12 years of progressive experience in Property & Casualty (P&C), Commercial Lines, and Accident & Health insurance across leading global firms. Proven ability to assess complex risks, optimize policy portfolios, and drive profitable growth through strategic underwriting decisions and cross-functional collaboration. Committed to leveraging deep industry expertise to enhance risk management frameworks and contribute to organizational success in a senior capacity.
Work
AXA INSURANCE PCL.
|Underwriting Specialist
Bangkok, Thailand
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Summary
Managed comprehensive underwriting processes for Property & Casualty (P&C) commercial lines, collaborating with inter-broker teams to assess and mitigate complex risks.
Highlights
Conducted in-depth risk assessments for commercial P&C accounts, ensuring compliance with underwriting guidelines and contributing to a balanced portfolio.
Collaborated effectively with inter-broker teams to develop tailored insurance solutions, enhancing client satisfaction and securing new business opportunities.
Analyzed market trends and competitor offerings to inform strategic pricing and product development, supporting profitable growth initiatives.
Streamlined policy issuance and renewal processes, improving operational efficiency and reducing turnaround times by an estimated 15%.
MSIG INSURANCE (THAILAND) PCL.
|Manager, Casualty Accident & Health Underwriting Department
Bangkok, Thailand
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Summary
Led the Casualty Accident & Health Underwriting Department, overseeing risk assessment, policy development, and team performance to achieve departmental objectives.
Highlights
Managed a portfolio of Casualty, Accident, and Health insurance products, achieving an average annual premium growth of 10% while maintaining target loss ratios.
Led and mentored a team of underwriters, enhancing their technical capabilities and contributing to a 20% improvement in team productivity and accuracy.
Developed and implemented new underwriting guidelines and risk assessment models, reducing exposure to high-risk accounts by 15%.
Collaborated with sales and claims departments to resolve complex policy issues and improve customer satisfaction ratings by 12%.
Streamlined operational workflows within the department, resulting in a 25% reduction in processing time for new applications.
MSIG INSURANCE (THAILAND) PCL.
|Assistant Manager, Casualty Accident & Health Underwriting Department
Bangkok, Thailand
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Summary
Supported the management of Casualty Accident & Health underwriting operations, focusing on risk analysis, policy review, and process optimization.
Highlights
Assisted in managing a diverse portfolio of Casualty, Accident, and Health insurance policies, contributing to consistent underwriting profitability.
Conducted thorough risk evaluations for complex cases, providing recommendations that improved underwriting decision-making and minimized potential losses.
Trained and onboarded junior underwriters, improving team efficiency and ensuring adherence to company standards and regulatory requirements.
Participated in the review and enhancement of policy wordings and product features, ensuring competitiveness and compliance within the market.
MITSUI SUMITOMO INSURANCE CO.,LTD.
|Secondment Program Participant
Tokyo, Japan
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Summary
Participated in an international secondment program, gaining exposure to global insurance practices and enhancing cross-cultural business acumen.
Highlights
Engaged in international best practices for insurance operations, contributing to knowledge transfer and process improvement initiatives.
Collaborated with diverse teams in a global setting, developing cross-cultural communication and adaptability skills.
Analyzed specific market strategies and product offerings within the Japanese insurance landscape, broadening industry perspective.
MSIG INSURANCE (THAILAND) PCL.
|Graduate Trainee
Bangkok, Thailand
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Summary
Completed a comprehensive graduate trainee program, gaining foundational experience across multiple critical insurance functions including underwriting, claims, and business development.
Highlights
Gained hands-on experience in Agency Business Development, contributing to market research and client acquisition strategies.
Developed foundational underwriting skills across Motor, Property, Engineering, Fire, Accident, and Marine lines, preparing for specialized roles.
Analyzed Motor Claim processes, identifying key areas for efficiency improvements and understanding claims lifecycle management.
Participated in cross-functional projects, enhancing understanding of end-to-end insurance operations and stakeholder collaboration.
Volunteer
THAI GENRAL INSURANCE ASSOCIATION
|Miscellaneous Insurance Committee Member
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Summary
Contributed to industry standards and policy development as a member of the Miscellaneous Insurance Committee.
Highlights
Participated in discussions and formulation of industry best practices for miscellaneous insurance products, impacting regulatory compliance.
Collaborated with industry peers to address emerging challenges and opportunities within the Thai general insurance sector.
Provided expert insights on underwriting trends and risk management strategies to inform committee decisions.
Education
CHULALONGKORN UNIVERSITY
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Bachelor of Science (B.S.)
Statistics (Insurance)
BURIRAM PHITTAYAKHOM SCHOOL
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High School Diploma
Mathematics – Science
Languages
English
Thai
Certificates
CII Level 3 Certificate in Insurance (QCF)
Issued By
Chartered Insurance Institute (CII)
CII Award in General Insurance
Issued By
Chartered Insurance Institute (CII)
Skills
Underwriting & Risk Management
Commercial Underwriting, P&C Insurance, Casualty Underwriting, Accident & Health Underwriting, Risk Assessment, Policy Analysis, Portfolio Management, Underwriting Guidelines, Reinsurance, Loss Ratio Analysis.
Insurance Operations
Policy Issuance, Claims Handling, Broker Relations, Market Analysis, Product Development, Regulatory Compliance, Operational Efficiency.
Leadership & Management
Team Leadership, Mentoring, Performance Management, Cross-functional Collaboration, Strategic Planning, Process Improvement.
Data Analysis & Tools
Statistical Analysis, Microsoft Excel, Microsoft Word, Microsoft PowerPoint, Data Interpretation, Market Research.
Communication & Interpersonal
Client Relations, Stakeholder Management, Negotiation, Presentation Skills, Cross-cultural Communication.