Contact

Smriti

Smriti joined AFC Digital in November 2019 and serves as Digital Practice Lead. Smriti has 15 years of professional experience and 10+ years in P&C Insurance assignments with various clients across US and Australia.

She is an expert in designing solutions & transformation of Insurance Core Systems. She is proficient with Guidewire products, managing application design, development, maintenance, and testing for various clients. She is certified in Guidewire platform and Insurance domain AINS series.

Prior to joining AFC Digital Smriti honed her domain-based IT consultant skills with IBM, PWC and EY.

Smriti completed her Bachelor of Engineering from Global Institute of Technology Jaipur in Computer Science.

Govind

Govind is an AWS Certified Solutions Architect with over 12 years of experience in IT and Consulting. He has worked with multiple offshore clients – North Carolina Department of Revenue, Massachusetts Healthcare, Fannie Mae, etc. and has been extensively involved in application design, development, maintenance, testing and post-production support. Govind has been the recipient of multiple client awards. Prior to joining AFC Digital as a Technical Architect, he has worked with CGI Technologies and Solutions in multiple capacities – Senior Consultant, Tech Lead, Software Architect, etc.

Govind is currently heading the Neutrinos practice at AFC and is also involved in the architecture, design and development of internal products. He also takes technical trainings and mentors junior resources.

Govind has a keen interest in Cloud technologies and tries to stay up to date on new Cloud features and services.

Govind holds a Bachelor’s degree in Computer Science from BNM Institute of Technology and a Master’s degree in Computer Science from New York University (NYU).

When time permits, he loves to travel, go for a swim, or play tennis.

Newer Business Models

New business models to watch out: 
– Digital distribution
– Insurance marketplace
- On-demand
– Bundled coverages
– Usage-based / Pay-per-use
– Shared economy
– Peer to peer- Connected ecosystems
– Insurance as a Service APIs

Talent Demand

– Aging and retiring insurance professionals
– Increase in talent demand but dearth of talent supply
– Need to attract niche talent : Devise strategies to attract:
– Millennial talent into workforce
-Niche, digital skills (like data science)
– Difficult to onboard and train new people
– Knowledge transition to next generation
– Clone the expert knowledge quickly

Newer Competition

New competitors to watch out:
– Insurtechs
– Tech giants (particularly distribution)
– Adjacent industry players

Insurers are now exploring several partnerships and acquisitions with insurtechs

By regarding insurtechs as partners or by playing the role of VC and investing in their firms, incumbents benefit from disruptive technology skills, gaining an early mover advantage

Insurtechs benefit from the expertise and resource of incumbents, setting the stage for scale and further growth

Emerging Risks

Emerging risks to watch out:
– Cyber risks
– Climate change exposures
– Product liability risks (arising out of IoT, 3D printing…)

Changing Customer Expectations

Changing customer preferences to watch out:
– Personalization of products / services
– Frequent engagement / touchpoints
– Omni-channel experience
– Self-directed buy / service experiences via digital channels
– Greater transparency

Personalization, transparency, convenience, Omni-channel experience and timely assistance are some of the key attributes that differentiates the best P&C insurer from the rest of the competition.

Emerging Technologies

Key technology trends:
– Advanced analytics,
– Connected products (IoT)
– Artificial intelligence
– Drones
– Autonomous vehicles
– Blockchain

Akash Kamat

Akash has over 9 years of experience in software development and consulting and regulatory reporting. He is working as the Director of Innovation and new trends in software and technology, predominantly in Guidewire. Akash has worked at HSBC, PricewaterhouseCoopers, Goldman Sachs and Infosys in multiple technologies and domains. Akash has handled multiple roles and responsibilities as a developer and architect, and as financial analyst and a Subject Matter Expert in fixed income securities. Akash has a B.E. in Electronics and Communication and a PDGM in Banking and Financial Services. Akash has keen interest in solving puzzles, playing video games and 3D Printing.

Shivaprasad Kadoor

Shiv has 30+ years of experience in IT industry with a strong background in Software Development, IT Outsourcing, Practice Management, Program and Project Management, Pre-Sales, Operations and delivering large-scale system integration projects. Expertise includes software architecting, design, implementation, and production releases, continuous process improvement, and experience in leading and building new teams. He has worked in multiple domains like Aeronautical Engineering, Automotive, Enterprise Management & Security & Telcom in various roles.

Shiv has a postgraduate degree in Computer Science from Mysore University and MS in IT & ITES from SUNY Buffalo, USA.

Arun Kiranagi

Started professional career 12 years ago as a Gosu/Java stack developer in Guidewire Claim, Billing and Policy Center. Has diverse Guidewire experience as configuration developer, integration developer and conversion developer. Has immense experience working across insurance consulting industry both onshore and offshore.

Performed as a lead Guidewire consultant with two of the big four consulting firms (EY & PWC) before moving onto smaller organization (SpiderLogic), then to a start-up(AFC). Arun has a first hand experience in building an organization from the scratch. Carried out responsibilities as lead, mentor, trainer, coach, manager, HR, admin and director in time and manner.

Worked with different Tiers of Insurance end clients in transformation of their business onto Guidewire platform efficiently and effectively. The project work spread across US and UK insurance clients. Certified in Guidewire platform and Insurance domain AINS series.

Arun has Bachelor’s degree in Computer Science from The National Institute of Engineering Mysore.

Jeevankumar Dontul

Over 27 years of rich experience in working with top Customers across the globe and a unique set of skills covering the end-to-end spectrum of IT Services. Having travelled 20 countries (across Americas, Europe and APAC), understands the Insurance industry trends and the client needs very well. Tracking the Digital trends and the evolving needs of end customers can advise and sell consultatively. Worked with Tier-1 IT companies (TCS and Cognizant) over 2 decades.

Performed client facing & business development roles in US, Canada, Brazil, Argentina & Europe. Performed delivery and portfolio management roles for global top customers in Americas & Europe. Proven track record of success in fulfilling the customers’ transformational needs. Jeevan holds Masters degree in Electrical Engineering from Indian Institute of Science Bangalore and a Bachelors degree in Electrical Engineering from VJTI Mumbai.

Sumanth Narayana

Sumanth is a seasoned IT Professional with more than 12 years of experience in P&C Insurance industry. He has rich experience in Insurance Core system transformation ,designing solutions in the Guidewire suite for business requirements and is well versed with Guidewire Products. He is proficient in application design, development, maintenance, and testing.

He has predominantly worked with US insurance clients. He has experience of handling offshore teams for clients. Prior to joining AFC as a Director, he has worked with PwC and Cognizant. He holds a bachelor’s degree in Information Technology from Vellore Institute of Technology, Vellore.

Arun Nair

Arun is a senior management Professional with 20+ years of experience in financial services and Insurance industry. He is experienced in developing Business and Technical Architecture, Technology strategy and Program Management capabilities for Large-scale Insurance Core Transformation programs. He has extensive experience in conducting executive interviews, documenting Business strategies, developing high-level requirements, creating business cases, creating solution design, and managing Transformation initiatives. He has worked in a variety of engagements such as core system replacement, new technology adoption, business process assessment, technology assessment, vendor evaluation, and outsourcing advisory for matured business processes. His technology experience includes working with leading solutions such as Guidewire application suite, Service oriented architecture (SOA) based integration, and Quality Assurance using HP quality tools.

Anil Deshpande

Anil Deshpande is Chief Executive Officer of AFC digital, the global software consulting of choice that helps a diverse customer base design and build solutions to improve the world. Anil assumed the role of CEO in Sept 2018 and is responsible for architecting the company’s strategic direction and leading through a transformation. Along with strong workforce in US and India, Anil is focused on driving technology innovation and sustainable solutions across the industries and end markets.

Prior to starting AFC, Anil worked with PWC, Guidewire software in Insurance domain and with US interactive in CRM and telecom domain. Anil is highly accomplished as a Program Director /Solutions Architect with over 25 years of hands on SDLC Agile/water fall experience in delivery of Enterprise solutions to the Fortune 500 companies.

Mr. Anil holds a Master degree in Electronic Design and Telecom engineering from Indian Institute of Science in Bangalore, India.

Sumanth is a seasoned IT Professional with more than 10 years of experience in P&C Insurance industry. He has experience in Insurance Core system transformation ,designing solutions in the Guidewire suite for business requirements and is well versed with Guidewire Products. He is proficient in application design, development, maintenance and testing. He has predominantly worked with US insurance clients. He has experience of handling offshore teams for clients.

Anil assumed the role of CEO in Sept 2018 and is responsible for architecting the company’s strategic direction and leading through a transformation. Along with strong workforce in US and India, Anil is focused on driving technology innovation and sustainable solutions across the industries and end markets. Prior to starting AFC, Anil worked with PWC, Guidewire software in Insurance domain and with US interactive in CRM and telecom domain. Anil is highly accomplished as a Program Director /Solutions Architect with over 25 years of hands on SDLC Agile/water fall experience in delivery of Enterprise solutions to the Fortune 500 companies.

Mr. Anil holds a Master degree in Electronic Design and Telecom engineering from Indian Institute of Science in Bangalore, India.

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