Garima Chandak Periwal

Strategic insurance leader with extensive national-level experience driving underwriting excellence, portfolio profitability and technology-enabled transformation across multi-line P&C operations. Proven track record of delivering profitable market share growth through product innovation, advanced pricing strategies, channel optimization and preferred business mix design, while building high-performance teams and strong stakeholder ecosystems. Recognized for leading enterprise initiatives including Business Rule Engine implementation, AI-driven underwriting models and large-scale process re-engineering programs that improved operational efficiency, governance strength and loss-ratio performance, enabling sustainable growth and competitive differentiation.