Rishiitaa Kulkarni
Head & Vice President Group CRM @ ManipalCigna Health Insurance Company Ltd.
About
🚀 With 20 years of leadership across health claims and insurance operations, I specialize in building high-performing systems, teams, and outcomes. As an AVP of Operations, I've led complex transitions, driven customer-centric change, and empowered cross-functional success. 💡 Currently on the path to CXO roles — COO, Chief Claims & Ops Officer, or Chief Customer Experience Officer — with a vision to grow into a CEO who blends executional depth with emotional intelligence. ✨ A passionate communicator (orator in Gujarati, English, Hindi), combining problem-solving with spiritual wisdom — a personal mission to help leaders rise with clarity and calm. 🌍 Looking to connect with senior leaders, transformation experts, and mentors — who believe in building purposeful businesses. 📩 Let’s collaborate on growth, transformation, and legacy leadership.
India
Pune Division
Insurance
Business Transformation, Process Automation, Business Decision Making, Collaborative Problem Solving, Senior Stakeholder Management, Global Cross-Functional Team Leadership, Business Strategy, Claims Management, Leadership, Operations Management, Team Management, Business Development, Business Operations
Experience

Associate Vice President
Pune, Maharashtra, India
Lead large-scale health claims and operations portfolio, ensuring regulatory compliance, cost efficiency, and service excellence across high-volume processes Spearhead transformation initiatives aimed at digitization, automation, and process redesign to reduce TAT and enhance customer experience Collaborate with cross-functional teams including IT, product, actuarial, and customer service to drive operational scalability and quality outcomes Drive strategic planning, performance benchmarking, and governance frameworks to support business growth and efficiency goals Mentor and develop high-performing teams with a focus on accountability, agility, and continuous learning Serve as a key escalation and decision-making point for critical cases, regulatory audits, and cross-border process transitions Champion people-first leadership with a focus on trust, communication, and empathy — embedding a human approach to operational rigor Represent health claims function in leadership forums, audits, regulatory reviews, and CX councils Key Achievements: ✔️ Successfully ltech-led transformation for claims, customer service ✔️ Recognized in the Top 10% – 1000 Women Leaders program for leadership excellence ✔️ Introduced dashboards/analytics to enable proactive decision-making and SLA governance ✔️ Drove a major shift from reactive to preventive claims handling through risk identification & process control ✔️ Piloted key automation projects in pre-auth and post-discharge workflows
Education

Data Analytics
Capstone Project- Healthcare, Tableau, Machine Learning, Predictive Modeling, Data Mining, Advanced Statistics, Time series Forecasting, Market & Retail Analysis, Financial Risk Analysis, Python for data science, Statistical Methods for Decision making.
Rishiitaa Kulkarni's Contact Information
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