Mr. Ramaiah Divvela is an Actuary with nearly 5 decades work experience in Life & Health Insurance industry including 2 decades work experience in Group Insurance. He is involved in core work of Life Insurance viz., Underwriting/Assessment of Risk of both standard and substandard lives of large Sums of Individual lives. Underwriting & Pricing of Group Schemes commensurate with the Risk.
Mr. Ramaiah Divvela has practical working experience in Life Insurance – from introduction of proposal to settlement of claim. Besides the practical knowledge he is involved in
Pricing (i.e., calculating necessary life insurance premium levels); and
Reserving (i.e., determining how much to be set aside to meet the liabilities).
It took years to work his way through the complicated insurance legal system. In so far as claims are concerned, Mr. Ramaiah Divvela believes that understanding that there are grounds for a claim, especially in asbestos and pollution claims which can turn up years after the triggering events, is very crucial. He emphasizes that majority of insurance company insolvencies are a result of chronic under reserving.
He has exposure to both public sector Life Insurance Corporation of India and private sector Life Insurance Companies viz., Max Life Insurance Co. and Pramerica Life Insurance Limited. He also worked abroad in places viz., Muscat for over six years with a reputed Life & Health Insurance Co. in the Top Management Level and in London with Scottish Re – a Reinsurance Co.
During his career, he mentored many who reached greater heights in their professional lives. He is un-tired of working and eager to learn. Work is worship to Mr. Ramaiah Divvela …in fact, it became a way of life!
Dr. K Raja Gopal Reddy
Dr. Reddy obtained Masters qualification from the Osmania University, Hyderabad and Ph.D. (Doctor of Philosophy) from the Delhi University, Delhi. A Gold Medalist in Bachelors from the St. Stephen’s College, University of Delhi. He is a qualified international insurer.
Dr. Reddy is a Fellow, Life Management Institute (FLMI) program which provided us specific insurance education in the context of the insurance and financial services.
Further he has Fellowship of the Chartered Insurance Institute (FCII) – a professional designation, established in the United Kingdom, awarded to the holders of the Associateship of the Chartered Insurance Institute (ACII) who have accomplished additional professional achievements. Fellowship of the CII is regarded as the premier designation in the insurance profession.
Dr. Reddy also possess Fellowship of the Insurance Institute of India (FIII) – which is the highest insurance professional qualification in India.
Dr. Reddy co-established an Insurance Training and Education organization ISITE (International Syndicate for Insurance Training & Education). A consultant and Insurance Trainer for M/s Sun Life Financial and the Birla Institute of Management &Technology (BIMTECH). He designed and taught various insurance subjects at the Bahrain Institute of Banking & Finance (BIBF) Kingdom of Bahrain; the College of Banking and Financial Studies (CBFS) Muscat, Sultanate of Oman and the Chartered Insurance Institute (CII) London.
Besides authoring books on insurance, Dr. Reddy is a regular contributor to National & International Insurance Journals.
A Civil Engineering graduate from Sri Venkateswara University, Tirupati, Andhra Pradesh. As a seasoned insurance professional, he worked at senior levels with LIC of India, Bajaj Life, TCS, Xansa, Reliance Life, and CAMS Insurance Repository. His professional qualifications include FIII (Fellow Insurance Institute of India) and FLMI (Fellow Life Management Institute, USA). His overseas assignments took him to UK and Singapore.
Dr. D. Amulya Mala
Dr. Amulya Mala is an insurance professional with 24 years of experience in insurance industry, teaching and research. Dr Amulya Mala holds Doctor of Philosophy in Insurance Solvency from Jawaharlal Nehru Technological University Hyderabad, India. She has Masters qualification in Business Administration (Finance) and MS in Organic Chemistry. Further, Dr Amulya is professionally qualified Fellow of Life Office Management Association (FLMI, LOMA, USA).
Earlier, Dr Amulya worked for LIC of India, gained good amount of working knowledge in Claims, Underwriting and Policy Servicing of Insurance Industry. Taught Insurance, Risk Management and Insurance Regulations to both PG and UG students at reputed Institutions.
Dr. Amulya’s research papers were selected for presentation in various reputed organizations, both in India and Internationally. Her proposals were accepted by Southern Risk and Insurance Association (SRIA, USA), Western Risk and Insurance Association (WRIA USA). Dr. Amulya’s paper was selected by Asia Insurance Review and GIC Re. She participated in Shin Research Awards for Excellence conducted jointly by International Insurance Society and Geneva Association in 2011; received appreciation for quality and competency of the paper.
Dr. Amulya Mala was acted as a discussant for many papers at different forums. She was an invited speaker and guest faculty for institutes of repute. She is affiliated professionally both in Indian and International Insurance association such as III India and APRIA. Her research interest includes Risk Management, Catastrophic Risk, Insurance Regulations and Corporate Governance etc.
Prof. Geeta Sarin is an insurance professional for over 30 years. She gained her insurance expertise in underwriting, policy servicing, claims, and training while working for the LIC of India and ING Vysya Life Insurance in various senior capacities.
Prior to establishing ‘International Syndicate for Insurance Training and Education, (ISITE), she was an associate professor teaching insurance at IMT Ghaziabad. With her vast experience in insurance training & education, she authored books for various universities. Prof. Sarin has a Bachelor’s Degree (Hons) and Post Graduate Diploma in International Marketing from Delhi University, Delhi.
Shiva Vishnu Reddy
Mr. Shiva Vishnu Reddy is a young, sincere, dedicated and qualified insurance professional with clear understanding of the principles and practice of insurance. His analytical skills and rational sense aim at delivering solutions, meeting the requirements of ever demanding insurance business. Shiva has strong conceptual clarity of insurance underwriting, actuarial fundamentals, accounting, claims and reinsurance. Further, he is equally knowledgeable at-risk identification and analysis.
Academically, besides holding a Bachelors qualification in Insurance, Shiva holds Masters qualification in Actuarial Science. His insurance professional qualifications include Diploma (Dip CII) from the Chartered Insurance Institute, London (CII) and Fellowship from the Insurance Institute of India (FIII). He has strong motivation levels and passion to carry forward in this great industry through his professional skills and insurance education.
Prior to working as a Reinsurer at OmanRe, he worked as an Underwriting & Claims professional underwriting life & medical risks, evaluate growth opportunities in these fields while liaising with team members, insurers and reinsurers as well as engaging with clients to ensure reliable data and business growth based on sound underwriting while ensuring client satisfaction.
He eagerness to learn and ability to grasp enables him to take up challenges. His experience coupled with qualifications and ability to effectively communicate and work in team in a multicultural environment makes him an asset
Mr. Sumeet Bidada holds a Bachelors of Technology qualification in Electronics & Instrumentation field from Jawaharlal Nehru Technological University (JNTU) Hyderabad. He is the youngest and matured member of our team.
Mr. Bidada is the only person in the world to own an insurance patent on behalf of M/s Topspot Insurance Broking Private Limited titled “System and Method for Verifying and Tracking the Manufactured Articles from Insurance Salvage”. His originality, imagination and work can be witnessed at www.bhadrat.com.
Uzair Ahmed Khan
Mr. Uzair Ahmed Khan’s favorite passion is law. His family milieu encouraged him becoming a lawyer, and he went on to obtain a Masters qualification (LLM) in Law from the Osmania University. Mr. Khan who practices across civil and criminal jurisdictions is ever yearning to learn as many lessons as life may afford to teach.
He started his career with Government projects but the lack of challenge made him opt for legal practice. Insurance law has relatively been late, but announced itself strongly in his career, its sheer unpredictability hooked him for life.
As an extrovert, he enjoys social interactions at work-place; wants to ‘work with pleasure’ and eager to pursuit imaginations in motion. As our legal advisor, advocate Khan became an invaluable addition to our insurance broking business & has been managing various responsibilities with great success.
Praveen Kumar Rathi
Mr. Praveen Kumar Rathi is the chief designer and architect of this website amongst other plans for Topspot’s digital presence.
Among other qualifications, Mr. Rathi acquired a Master’s in Business Administration (MBA) from Human Resource Management from IMI, Antwerpen and PGDIM – Post Graduate Diploma in Insurance Management from the Pondicherry University. He heads the Operations and Client Servicing teams for Cancri Technologies Private Limited.
Mr. Rathi’s romance with information technology began two decades ago with Globarena Technologies as a web strategist. Having worked for various organizations and executing challenging IT assignments, he believes that both technology and computers are useless as they can only give answers and admires the imaginative human ability to ask questions relentlessly.
Ms. Jyothi is a young and dedicated accounting professional with Bachelor’s qualification in accountancy and commerce. Her passion led her to perfect accounting software ‘Tally’.
She provides financial advice in areas of practice, audit, consultancy, recovery, forensic accountancy and taxation. Her specialization includes preparing accounts and tax returns, administering payrolls and controlling income and expenditure, auditing financial information, compiling and presenting reports, budgets, business plans, commentaries and financial statements. She analyses accounts and business plans, providing tax planning with reference to current legislation, financial forecasting and risk analysis, negotiating the terms of business deals. She moves with clients and associated organisations meeting and interviewing clients, managing colleagues, workloads and deadlines.
Finally, she has Masters qualification in Business Administration as well.