JUNAIDAGHA
Mobile No. 0300
Email:
2451665
agha.69@hotmail.com
6th Floor Business Centre Plot No.19-1-A Block 6, P.E.C.H.S. Shahrah-e-Faisal Karachi
SUMMARY OF PROFESSIONAL EXPERIENCE
Alhamdulillah, possess 19 years’ working experience in the fields of Insurance & Takaful.
March 2011 to date
Manager Claims
Takaful Pakistan Limited Head Office, Karachi
May 2010 to February 2011
Manager & Head of Administration
Takaful Pakistan Limited, Karachi
Mar 2009 To June
2010
Assistant Manager Operations
Takaful Pakistan Limited, Karachi
Nov 1998 to Mar 2009
Manager Underwriting
Adamjee Insurance Company Ltd., Karachi
May 1994 to Oct 1998
Assistant Manager Underwriting
EFU General Insurance Ltd, Karachi
SUMMARY OF QUALIFICATIONS

M.Com (Insurance) from University of Karachi

B. Com from University of Karachi

Certification in Continuous Professional Development in Human Resource Management from
University of Karachi
PERSONAL
Language Proficiency:
English, Urdu & Sindhi
Computer Courses:
Microsoft Office
Extra Curricular Activities:
Traveling, Event Management, Playing Cricket, Cooking
Father’s Name:
Ghulam Mustafa Agha
Marital Status:
Married
Date of Birth:
August 2, 1969
Nationality:
Pakistani
Address:
House No. B – 41, Rizwan Housing Society, Scheme 33, Sector 38-A
Main University Road, Karachi
DETAILS OF PROFESSIONAL EXPERIENCE
Duration / Position / Organization
March 2011 to date
Manager Claims
Takaful Pakistan Limited
Head Office, Karachi
March 2010 To February 2011
Major Functions Include / Job Description

Looking after all claims i.e. Fire, Miscellaneous, Motor,
Marine & Engineering claims at Head Office level.

Responsible for analyzing claims data pertaining to
each class/clients and monitor areas where loss ratios
are high.

In the higher management meetings, supposed to give
briefing and outline the present running position of the
Department as well as the future strategies to be
followed.

Major activities
Negotiation.

Responsible for maintaining the Quality service (i.e.
speed, manner and economic efficiency) while
handling claims.

Formulate various types of statistical reports for the
higher management.

Visiting and meeting with the clients / banks,

Coordinating with Salvage Disposal Committee.

Motor Vehicles Recoveries including release from the
Court, Anti Car Lifting Cell (ACLC), Citizen Police Liaison
Committee (CPLC) and from Government Agencies.

Responsible for the overall professional performance of
the department / company.

Management of office environment.

Planning, organizing, providing leadership
controlling all administrative functions.
involve
Claim
Review
&
Claim
Manager & Head of Administration
Takaful Pakistan Limited
Head Office, Karachi
and

Managing quality and cost control.

Rendering a service to other functions within the
organization

Providing training and development for our own staff.

Managing the many
employees carry out.

Ensuring that human and material resources are
correctly & adequately utilized.

Meeting with other members of management and
planning for the future.

Review and process monthly administration accounts,
performing required monthly reconciliations, and
compiling monthly expenditure reports;
Assistant Manager Operations

Prepare ad-hoc financial reports as requested;
Takaful Pakistan Limited
Head Office, Karachi


Manage the expatriate allowances
payments;
Portfolio Analysis on monthly basis.

Verification of management reports on monthly basis.

Monitoring proper application of company’s
underwriting policies throughout the Organization.

Responsible for maintaining high quality services to the
Clients.

Coordinating with departments to improve
underwriting and claims services.

Analysis of Branch budgets and branch performance
on monthly basis.

Co-ordination with country-wide branches and clients
for procurement of business.

Visit clients for operational issues as well as cross selling
various products. Weekly visit to clients according to
the business plan in order to cultivate potential business
into book business.

Up-Country Visit for development/improvement of fresh
and renewal business.

Coordinating
fields
of
work
which
the
March 2009 To June 2010
with
country-wide
and
branches
their
to
enforce the company’s policy for marketing and
targeting, particularly banking sector.
November 1998 to March 2009
Manager Underwriting
Adamjee Insurance Co. Ltd.
New Unit Branch, Karachi
Directly reporting to GM &
Divisional Head
May 1994 to October 1998
Fire and Miscellaneous Underwriting, which includes all type of
work such as :

Overall management of Fire & Miscellaneous
Underwriting Departments.

Make proper premium quotation for development staff
and/or client to make guidance on risks if not being
insured and ensure policy wording conforms to clients
requirements and matches with the risk offered for
insurance and offer solutions to procure new & existing
business for Branch and AICL portfolio by consulting
underwriting manual and departmental head (H.O.)
after receiving client's advice.

Provide recommendations on individual and/or group
plan designs.

Provide underwriting advice and answer inquiries from
the clients.

Prepare Underwriting Reports.

Risk inspection/ Risk assessment as & when required.

Responsible for any other task/assignment as & when
given by Team Leader.

Interacting with Re insurance, Co Insurers & Concerned
Head of Departments.

Monitor the proper issuance of renewal notices well
before the expiry after checking the rates, terms and
other changes endorse in the policy time by time to
facilitate the client for acceptance and instructions to
renew.

Coordinate with sales department (Head Office) for
checking of rates/proposals and quotations from
various branches.

Policy signing authority.

Supervising preparation of premium registers.

Assuring of proper documentation of policies and
endorsements.

Responsible for quality service to the client.
Assistant Manager Underwriting
EFU General Insurance
Corporate Division, Karachi

Responsible for new business development as well as
cultivating the potential clients.

Responsible for all underwriting matters.

Managing Pre-Insurance Inspections of Fire Insurance
all over Sindh (Major Textile Sector & Cement
Factories).
CERTIFICATE COURSES



Islamic Banking and Islamic Finance Organized by Centre for Islamic Economic on 26 & 27
April 2007
Synergizing Performance organized by NAVITUS (Pvt.) Ltd.
ISO-9001 (Quality Management System) Organized by Adamjee Insurance Co. Ltd on April 10,
2007

Time to Team-Up Organized by Winning Edge on December 27, 2005

Fire & Disaster Control Organized by the Institution on of Engineers Pakistan on November 12,
2001

Total Quality Management - Achieving Service Quality Leadership Organized by EFU General
Insurance on July 22, 1997

Total Quality Management - Business Process Improvement Organized by EFU General
Insurance on November 21, 1996

Risk & Insurance Organized by EFU General Insurance on October 29, 1996

Total Quality Management - Awareness Work Shop April 15, 1996

Principles & Practices of Good Management Organized by EFU General Insurance on August
22, 1995
Total Quality Management Awareness Work Shop Organized by EFU General Insurance on
September 21, 1995.
