Insurance-Claims Analyst

Role Overview:

• Basic to intermediate understanding of US P&C Insurance Claims lifecycle, including:

  • FNOL, Coverage Verification, Claim Processing
  • Subrogation & Recovery (key focus area)
  • Document management and claim closure

• Understanding of Subrogation fundamentals, including:

  • Identification of third-party liability

• Familiarity with insurance policy structure and claim lifecycle, including:

  • Coverage, deductibles, limits, exclusions

• Knowledge of basic insurance terms: Premium, Claim, Deductible, Liability

• Strong attention to detail and analytical ability to identify potential recovery opportunities

• Good written and verbal communication skills; ability to work in a team environment

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Key Responsibilities:

·         Review subrogation demand packages to ensure completeness and accuracy

·         Identify and highlight missing documents/data gaps required for recovery processing

·         Validate and organize key documents such as:

·         Repair estimates / total loss evaluation

·         Salvage details

·         Rental invoices, towing invoices

·         Prior damage reports

·         Perform basic analysis of vehicle loss type (total loss vs repairable vehicle)

·         Review and verify cost components in demand package (repairs, rental, towing, etc.)

·         Do a deep quality check of team members’ work

·         Knowledge of detailed end to end claim lifecycle.

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Claims Support Activities

·         Review FNOL and claim documents to ensure data completeness

·         Perform basic coverage checks as per policy documents

·         Highlight missing/incomplete information to claim examiners

·         Assist in claim system updates and documentation

·         Support claim lifecycle activities till closure

Quality & Reporting

·         Adhere to SLAs, TAT, and quality benchmarks

·         Assist in client and internal ad-hoc reporting requests

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Required Skills & Competencies:

·         Basic understanding of:

o    Subrogation & claims lifecycle

o    Liability and recovery concepts

o    Analyse documents with attention to detail

·         Ability to Identify subrogation potential from claim data

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Requirements:

·         Graduate (Commerce/Insurance preferred)

·         0–3 years of experience in Claims/Subrogation/Insurance operations

·         Certification in P&C Insurance (AINS/CPCU) – good to have

·         Proficient in MS Excel, Word, Outlook

Shift Time:-

9 PM to 6 AM (PH time)

Educational

Graduate (Commerce/Insurance preferred)