Puja Agarwal

Manager
Future Generali Life Insurance

about

about

about

I have always been fascinated by numbers and the way they can precisely explain complex real-world phenomena. My interest in statistics quickly grew into a deeper curiosity about risk, uncertainty, and decision-making, which led me to pursue Actuarial Science. What began as an effort to understand the fundamentals of financial mathematics and insurance soon evolved into a clear professional direction.

I am a qualified Actuary, having completed all examinations with the Institute and Faculty of Actuaries (IFoA), UK, and hold an undergraduate degree in Economics from Ramjas College, University of Delhi. I bring a strong foundation in finance and statistics, combined with hands-on experience in the insurance services industry.

In my professional work, I create, evaluate, and optimize actuarial models for insurance products, with a strong focus on accuracy, efficiency, and practical business application. I value structured thinking, robust data analysis, and continuous learning, and I actively adapt my approach as new insights emerge.

Over time, I have come to understand my strengths clearly. I work well in collaborative environments and value learning from diverse perspectives. I am deeply motivated by growth and intellectual challenge, and I enjoy exploring complex problems and solving them through careful analysis. While I trust my intuition, I rely on data and evidence to guide decisions and deliver sound outcomes.

I aspire to contribute meaningfully to the field of finance and insurance by transforming opportunity into action, creating solutions that are not only analytically rigorous but also help build a more resilient and effective working world.

experience

experience

experience

Future Generali India Life Insurance

Manager | May 2025 – Present

Part of Statutory valuation team - 1. End to end statutory reporting for Individual business. 2. Worked on Risk Based Capital (RBC) Quantitive Impact Study 2 3. With profits committee 4. Carrying out monthly Plan v/s actual analysis and highlight key business insights to relevant stakeholders 5. Prepared Economic Capital report. 6. Performed Valuation interest rate assumption setting.

Future Generali India Life Insurance

Manager | May 2025 – Present

Part of Statutory valuation team - 1. End to end statutory reporting for Individual business. 2. Worked on Risk Based Capital (RBC) Quantitive Impact Study 2 3. With profits committee 4. Carrying out monthly Plan v/s actual analysis and highlight key business insights to relevant stakeholders 5. Prepared Economic Capital report. 6. Performed Valuation interest rate assumption setting.

Future Generali India Life Insurance

Manager | May 2025 – Present

Part of Statutory valuation team - 1. End to end statutory reporting for Individual business. 2. Worked on Risk Based Capital (RBC) Quantitive Impact Study 2 3. With profits committee 4. Carrying out monthly Plan v/s actual analysis and highlight key business insights to relevant stakeholders 5. Prepared Economic Capital report. 6. Performed Valuation interest rate assumption setting.

ICICI Prudential Life Insurance Company Limited

Senior Manager-II | Feb 2024 – Oct 2024

Part of Business Planning team - 1. Prepared Annual Business plan. 2. Performed new business sensitivity for IRDAI reporting. 3. Prepared Financial Condition report. 4. Performed true-up analysis - monitoring Plan v/s Actual experience 5. Prophet Model UAT from business planning standpoint.

ICICI Prudential Life Insurance Company Limited

Senior Manager-II | Feb 2024 – Oct 2024

Part of Business Planning team - 1. Prepared Annual Business plan. 2. Performed new business sensitivity for IRDAI reporting. 3. Prepared Financial Condition report. 4. Performed true-up analysis - monitoring Plan v/s Actual experience 5. Prophet Model UAT from business planning standpoint.

ICICI Prudential Life Insurance Company Limited

Senior Manager-II | Feb 2024 – Oct 2024

Part of Business Planning team - 1. Prepared Annual Business plan. 2. Performed new business sensitivity for IRDAI reporting. 3. Prepared Financial Condition report. 4. Performed true-up analysis - monitoring Plan v/s Actual experience 5. Prophet Model UAT from business planning standpoint.

EY

Senior Consultant | Sep 2023 - Jan 2024

1. Worked on monthly reserve preparation as per IGAAP. 2. Carried out persistency and mortality experience analysis.

EY

Senior Consultant | Sep 2023 - Jan 2024

1. Worked on monthly reserve preparation as per IGAAP. 2. Carried out persistency and mortality experience analysis.

EY

Senior Consultant | Sep 2023 - Jan 2024

1. Worked on monthly reserve preparation as per IGAAP. 2. Carried out persistency and mortality experience analysis.

Consultant | Jun 2021 - Aug 2023

1. Worked on IFRS17 modelling on Prophet for global clients. 2. Supported an Indian client’s valuation team during year-end. 3. Prepared Analsis of Surplus report for all lines for businesses. 4. Prepared Annexure ST report and Current financial condition report that forms a part of AAAR submission. 5. Performed expense assumption setting. 6. Prophet model UAT from valuation standpoint.

Consultant | Jun 2021 - Aug 2023

1. Worked on IFRS17 modelling on Prophet for global clients. 2. Supported an Indian client’s valuation team during year-end. 3. Prepared Analsis of Surplus report for all lines for businesses. 4. Prepared Annexure ST report and Current financial condition report that forms a part of AAAR submission. 5. Performed expense assumption setting. 6. Prophet model UAT from valuation standpoint.

Consultant | Jun 2021 - Aug 2023

1. Worked on IFRS17 modelling on Prophet for global clients. 2. Supported an Indian client’s valuation team during year-end. 3. Prepared Analsis of Surplus report for all lines for businesses. 4. Prepared Annexure ST report and Current financial condition report that forms a part of AAAR submission. 5. Performed expense assumption setting. 6. Prophet model UAT from valuation standpoint.

Associate Consultant | Oct 2020 - Jun 2021

Prophet modelling for Non-Participating protection, savings and unit linked products for clients.

Associate Consultant | Oct 2020 - Jun 2021

Prophet modelling for Non-Participating protection, savings and unit linked products for clients.

Associate Consultant | Oct 2020 - Jun 2021

Prophet modelling for Non-Participating protection, savings and unit linked products for clients.

Analyst | Jun 2019 - Oct 2020

1. Performed cashflow modeling on most of the Indian life insurance products. 2. Worked on Modeling for a leading US firm with major focus on US GAAP LDTI changes and VM-21 statutory reform.

Analyst | Jun 2019 - Oct 2020

1. Performed cashflow modeling on most of the Indian life insurance products. 2. Worked on Modeling for a leading US firm with major focus on US GAAP LDTI changes and VM-21 statutory reform.

Analyst | Jun 2019 - Oct 2020

1. Performed cashflow modeling on most of the Indian life insurance products. 2. Worked on Modeling for a leading US firm with major focus on US GAAP LDTI changes and VM-21 statutory reform.

Mithras Consultants (Acturial Consultancy)

Actuarial Intern | Jul 2018 - Aug 2018

This internship helped me understand how an actuarial firm functions. Helped me lay my basics on cashflow modeling and improve my Excel skills. Also, I worked on analyzing the financial statements of leading Life insurance firms in India.

Mithras Consultants (Acturial Consultancy)

Actuarial Intern | Jul 2018 - Aug 2018

This internship helped me understand how an actuarial firm functions. Helped me lay my basics on cashflow modeling and improve my Excel skills. Also, I worked on analyzing the financial statements of leading Life insurance firms in India.

Mithras Consultants (Acturial Consultancy)

Actuarial Intern | Jul 2018 - Aug 2018

This internship helped me understand how an actuarial firm functions. Helped me lay my basics on cashflow modeling and improve my Excel skills. Also, I worked on analyzing the financial statements of leading Life insurance firms in India.

Make Room India

Administrative Assistant | Jun 2017 - Aug 2017

Assisted my organisation to achieve its goal of creating a social Change Ecosystem and strengthening civil society’s cooperation to drive positive social change between the European Union and India. Expedited its initiatives to develop innovative, sustainable and easily-replicable solutions to problems found in both – Europe and elsewhere, during my course of the internship.

Make Room India

Administrative Assistant | Jun 2017 - Aug 2017

Assisted my organisation to achieve its goal of creating a social Change Ecosystem and strengthening civil society’s cooperation to drive positive social change between the European Union and India. Expedited its initiatives to develop innovative, sustainable and easily-replicable solutions to problems found in both – Europe and elsewhere, during my course of the internship.

Make Room India

Administrative Assistant | Jun 2017 - Aug 2017

Assisted my organisation to achieve its goal of creating a social Change Ecosystem and strengthening civil society’s cooperation to drive positive social change between the European Union and India. Expedited its initiatives to develop innovative, sustainable and easily-replicable solutions to problems found in both – Europe and elsewhere, during my course of the internship.

education

education

education

B.A. (Hons) Economics

Ramjas College | 2016-2019

Activities and societies: 1. Member of Pinnacle - the Placement Cell of Ramjas College for 3 years and headed a team of more than 30 individuals and facilitated the hiring of more than 100 students. 2. Member of the event management team which organised Centennial - celebrating the 100 years of completion of our college. 3. Member of the Economics Society of Ramjas College Economics degree helped me combine economic theory with empirical investigation, using statistical techniques to investigate questions in public policy and the business/financial fields. It enabled me to gain an aptitude for numbers and IT along with an ability to analyze problems after understanding the full spectrum of issues that have an impact on financial situations and decisions made both at micro and macro levels in a country. My main papers included Mathematics, Microeconomics, Macroeconomics, Statistics, Econometrics and other theoretical papers like Indian Economy, Development Economic and Public Economics.

B.A. (Hons) Economics

Ramjas College | 2016-2019

Activities and societies: 1. Member of Pinnacle - the Placement Cell of Ramjas College for 3 years and headed a team of more than 30 individuals and facilitated the hiring of more than 100 students. 2. Member of the event management team which organised Centennial - celebrating the 100 years of completion of our college. 3. Member of the Economics Society of Ramjas College Economics degree helped me combine economic theory with empirical investigation, using statistical techniques to investigate questions in public policy and the business/financial fields. It enabled me to gain an aptitude for numbers and IT along with an ability to analyze problems after understanding the full spectrum of issues that have an impact on financial situations and decisions made both at micro and macro levels in a country. My main papers included Mathematics, Microeconomics, Macroeconomics, Statistics, Econometrics and other theoretical papers like Indian Economy, Development Economic and Public Economics.

B.A. (Hons) Economics

Ramjas College | 2016-2019

Activities and societies: 1. Member of Pinnacle - the Placement Cell of Ramjas College for 3 years and headed a team of more than 30 individuals and facilitated the hiring of more than 100 students. 2. Member of the event management team which organised Centennial - celebrating the 100 years of completion of our college. 3. Member of the Economics Society of Ramjas College Economics degree helped me combine economic theory with empirical investigation, using statistical techniques to investigate questions in public policy and the business/financial fields. It enabled me to gain an aptitude for numbers and IT along with an ability to analyze problems after understanding the full spectrum of issues that have an impact on financial situations and decisions made both at micro and macro levels in a country. My main papers included Mathematics, Microeconomics, Macroeconomics, Statistics, Econometrics and other theoretical papers like Indian Economy, Development Economic and Public Economics.

Fellow, Life insurance

Institute and Faculty of Actuaries | 2016 – Dec 2024

Fellow, Life insurance

Institute and Faculty of Actuaries | 2016 – Dec 2024

Fellow, Life insurance

Institute and Faculty of Actuaries | 2016 – Dec 2024

Volunteering

Volunteering

Volunteering

Enactus Ramjas

During 2 years with this society I worked for 2 major projects. The first was- Aradhaga, which empowered underprivileged women by providing them the logistical help to produce and sell cloth bags. This project made them self sufficient, confident and competent enough to become 'entrepreneurs'. The second was- Aarogya, which thrived to solve the accessibility and availability problem of healthcare facilities in rural and semi-urban areas. We created a team of unemployed rural youth and business associates working in unison to develop healthier and disease free place for the underprivileged. This project further established retail generic medicine stores to curb the affordability issue of medicines in the country.

Enactus Ramjas

During 2 years with this society I worked for 2 major projects. The first was- Aradhaga, which empowered underprivileged women by providing them the logistical help to produce and sell cloth bags. This project made them self sufficient, confident and competent enough to become 'entrepreneurs'. The second was- Aarogya, which thrived to solve the accessibility and availability problem of healthcare facilities in rural and semi-urban areas. We created a team of unemployed rural youth and business associates working in unison to develop healthier and disease free place for the underprivileged. This project further established retail generic medicine stores to curb the affordability issue of medicines in the country.

Enactus Ramjas

During 2 years with this society I worked for 2 major projects. The first was- Aradhaga, which empowered underprivileged women by providing them the logistical help to produce and sell cloth bags. This project made them self sufficient, confident and competent enough to become 'entrepreneurs'. The second was- Aarogya, which thrived to solve the accessibility and availability problem of healthcare facilities in rural and semi-urban areas. We created a team of unemployed rural youth and business associates working in unison to develop healthier and disease free place for the underprivileged. This project further established retail generic medicine stores to curb the affordability issue of medicines in the country.

Disha Mission Foundation

We worked on distributing food to stray dogs each day, by utilising leftover food from the multiple restaurants.

Disha Mission Foundation

We worked on distributing food to stray dogs each day, by utilising leftover food from the multiple restaurants.

Disha Mission Foundation

We worked on distributing food to stray dogs each day, by utilising leftover food from the multiple restaurants.

skills

skills

skills

Actuarial Modeling & Statistical Analysis: Designing, validating, and optimizing insurance models using sound statistical and financial principles to support pricing, reserving, and risk decisions.

Actuarial Modeling & Statistical Analysis: Designing, validating, and optimizing insurance models using sound statistical and financial principles to support pricing, reserving, and risk decisions.

Actuarial Modeling & Statistical Analysis: Designing, validating, and optimizing insurance models using sound statistical and financial principles to support pricing, reserving, and risk decisions.

Data-Driven Problem Solving: Translating complex data into actionable insights by combining analytical rigor with practical business understanding.

Data-Driven Problem Solving: Translating complex data into actionable insights by combining analytical rigor with practical business understanding.

Data-Driven Problem Solving: Translating complex data into actionable insights by combining analytical rigor with practical business understanding.

Collaborative Decision-Making: Working effectively across teams, integrating diverse perspectives, and communicating technical findings clearly to enable informed decisions.

Collaborative Decision-Making: Working effectively across teams, integrating diverse perspectives, and communicating technical findings clearly to enable informed decisions.

Collaborative Decision-Making: Working effectively across teams, integrating diverse perspectives, and communicating technical findings clearly to enable informed decisions.