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I am a qualified general insurance actuary with over 18 years of experience and I am also an associate director within our actuarial and insurance consulting practice

I have extensive experience in the general insurance sector and have worked with a broad range of entities including large multinational insurance groups, UK personal lines insurers, reinsurers, Lloyd’s managing agencies, coverholders, captives, run-off specialists, special purpose vehicles and schemes of arrangement.

My clients include some of the largest insurance entities in the UK and Europe. My experience covers a wide range of insurance classes across the personal lines, small to medium enterprise and large commercial lines sectors.

I also have experience covering a range of specialist areas, such as:

  • internal model development and calibration
  • internal model validation
  • exposure and aggregate management
  • reinsurance optimisation
  • enterprise risk management
  • process re-engineering
  • IFRS17 implementation
  • Solvency II reporting
  • actuarial reserving
  • actuarial pricing
  • Skilled Persons Reviews
  • Part VII transfers/portfolio transfers.

I am regularly the project delivery lead across multiple and concurrent large complex projects and have extensive experience communicating with senior stakeholders.

I have experience with Excel, VBA, capital modelling platforms (Tyche, Igloo and Remetrica), generalised linear modelling, R, and various other actuarial reserving software packages. I also regularly contribute to the insurance industry through publications and speaking at various events including the GIRO and TIGI conferences.

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  • B.Sc. with First Class Honours from London School of Economics
  • Fellow of the Institute and Faculty of Actuaries
  • Political Science M.Sc. with Distinction from Cass Business School
Bharat Raj
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Associate Director
Bharat Raj
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