Jharna Satram

EFU Life Assurance Ltd · Karachi

Jharna Satram

Deputy Manager, Business Operations & Digital Transformation

Connecting business, processes and technology. I turn operational problems into workflows, reports and systems that people can rely on.

See my work LinkedIn
4 years in life insurance BBA SZABIST Underwriting · Bancassurance · Alterations
Jharna Satram in a black blazer
Jharna Satram at her desk

About

Where insurance operations meet technology

I am a business operations and digital transformation professional at EFU Life, working across Underwriting, Bancassurance and Alteration operations. I joined in 2022 and now serve as Deputy Manager.

My work sits between the people who run the business and the teams who build the systems. I write and validate requirements, review functional designs, coordinate UAT and go-live, and follow issues through to resolution after launch.

I believe a transformation succeeds when the technology fits the process, the stakeholders are aligned, and the result is easy to measure. That is the standard I hold my own work to.

Business

Risk underwriting, due diligence, pricing and terms for individual life insurance.

Process

Finding workflow gaps, standardising eForms, inboxes and reports, and tracking issues to closure.

Technology

Microsoft Dynamics 365, Power BI and Python, applied to real operational needs.

Projects

Selected work

Shared at a level that respects company confidentiality.

Featured case study

Microsoft Dynamics 365 workflow transformation

An enterprise-wide move of underwriting, bancassurance and alteration workflows from BPM/FileNet to Microsoft Dynamics. I worked on the business side of the project, from first requirements through stabilisation after go-live.

MS Dynamics 365BPM / FileNetUATGo-livePMO
My role
Business requirements, functional design review, UAT coordination and post-go-live follow-up for UPS, BOS and Alterations.
What I did
  • Documented and validated business requirements and reviewed Functional Design Documents.
  • Coordinated UAT, demonstrations and business sign-offs.
  • Identified, logged and tracked system issues, blockers and enhancements.
  • Worked with consultants, PMO, IT and Operations, and prepared management updates on milestones and revised timelines.
  • Monitored workflow performance and stabilised processes after go-live.

Power BI · QlikView

KPI dashboards and reporting

Built Power BI dashboards for technical and commercial KPI monitoring. Coordinated the move from QlikView to Power BI and defined policy-level and user-level tracking reports.

Python · Decision trees

Automated underwriting decision engine

Designed and tested a rule engine that makes initial underwriting decisions. In simulation it cut processing time by 2 days and gave more consistent results across test cases.

Product · 2024

WIN product and portfolio

Contributed to development of the WIN product and managed its full portfolio. Worked on reducing manual underwriting dependency, Agent App requirements and WIN MIS reporting.

BPM · 2023

Business process automation

Implemented Business Process Management to automate underwriting operations, the base on which the later Dynamics move was built.

UPS · BOS · Group Life

Underwriting operations

Reviewed pending business and requirements, monitored turnaround time with daily medical delay reporting, and kept policy signing and issuance moving.

Governance

Process standardisation

Standardised eForms, inboxes, reports and dashboards, and set up issue tracking and escalation so problems reach the right people quickly.

Skills

What I bring to a team

Business analysis

Requirement gathering, FDD review, gap analysis, process redesign.

Digital transformation

Workflow automation, process digitisation, MS Dynamics 365, BPM.

Project coordination

Milestone tracking, UAT, go-live, vendor and PMO coordination.

Insurance operations

Underwriting, Bancassurance, Group Life, Alterations, risk assessment and pricing.

Data and reporting

Power BI, QlikView, Python, operational and management reporting.

Communication

Presenting to technical and non-technical audiences, from PMO to senior management.

Experience and education

Career so far

2022 – Present

Deputy Manager

EFU Life Assurance Ltd

  • Underwrite individual life risks and set terms, conditions and pricing after due diligence.
  • Contributed to the WIN product and managed its portfolio.
  • Implemented BPM and now support the move to Microsoft Dynamics.
  • Work across teams to improve underwriting efficiency, client retention and decision-making.
2020 – 2021

Intern

Chase Value

  • Created digital content aligned with brand goals.
  • Analysed customer preferences to inform product placement and pricing.
  • Supported SEO and campaign optimisation.
2019 – 2020

Intern

Bank Al Habib

  • Researched industry and competitors for strategic planning teams.
  • Helped prepare data-driven reports and market analysis presentations.

Education

BBA
SZABIST, 2017 – 2021

Certifications

  • Anti-Money Laundering and Countering Financing of Terrorism
  • Digital Skills and Artificial Intelligence

Interests

Travelling, reading and volunteering.

Achievements

Recognition and results

Two promotions in two years

Promoted twice at EFU Life on the strength of consistent performance and leadership potential.

Owned the WIN portfolio

Managed the complete portfolio of a new product in 2024, from development onward.

Part of an enterprise platform shift

Involved in moving core workflows from BPM/FileNet to Microsoft Dynamics 365, from requirements to stabilisation.

2 days faster, in simulation

A Python decision-tree engine for initial underwriting decisions cut simulated processing time by 2 days.

Contact

Let's talk about your next transformation

Open to conversations about business analysis, operations and digital transformation. LinkedIn is the quickest way to reach me.

LinkedInlinkedin.com/in/jharna-maheshwari
Emailjharnasatram@efulife.com
LocationKarachi, Pakistan