Hi, I’m
VILLASHINI SIVABALAN
FINANCIAL LINES UNDERWRITER
Bandar Pulai Jaya
Overview
20
years of professional experience
2006
years of post-secondary education
5
Languages
Work History
AIG Asia Pacific Insurance Pte Ltd
Financial Lines Underwriter
09.2021 - Current
Job overview
- Conduct in-depth underwriting analysis for Professional Indemnity, Directors & Officers, and Cyber liability policies.
- Evaluate financial and legal risks, ensuring compliance with industry standards and regulatory frameworks.
- Provide expert legal guidance on policy wording, contract interpretation, and coverage disputes.
- Develop and implement underwriting strategies to optimize risk selection and profitability.
- Collaborate with brokers, legal teams, and key stakeholders to facilitate seamless policy issuance and claims handling.
- Prepare detailed reports, underwriting assessments, and risk mitigation plans to support decision-making processes.
AIG Asia Pacific Insurance Pte Ltd
Campaign Executive
06.2011 - Current
Job overview
- Responsible to remind all insured under Direct Marketing policies on their outstanding premium and the due date for the next premium deduction
- Responsible to obtain the alternate payment mode and update to our billing team timely to ensure the payment submission done according to the billing cycle
- Responsible to ensure achieving the target for the successful payment retention to be above 90% of all Miss Payment Cases generated by the marketing department on monthly basis
- Records accurate information regards the payment retention in our customer relationship database , follow all the Standard Operation Procedure and regulations such as PDPA
- Prepares report on monthly basis on the Miss Payment Campaign Progress
- Work under tight deadline – Responsible to close averagely approximately 1800 (Minimum) Miss Payment Cases per month and constantly able to hit the target above 90%
- Ad-Hoc – Covers Inbound team
- Respond to questions, concerns and information requests via telephone regarding a variety of issues from internal and external parties, to include claimants, insured’s, brokers, claims adjusters and vendors promptly, accurately and professionally
- Records accurate information regards customer interaction in the customer relationship database
- Liaise with internal departments and external partners to satisfy customer requirements
- Provide excellent customer service and an immediate solution for customer enquiry or complaint by applying appropriate skills and escalate the case to Team Manager when it’s necessary
- Provide high levels of service delivery and daily operations and contribute to the expected team performance standard
- Feedback customer’s comments to Team Leader for service improvement
- Responsible to respond accurately and professionally to internal and external customer’s email enquiries, feedback and complaints timely
- Handle other ad hoc projects as and when required
Mondial Assistance Pte Ltd
Assistance Coordinator
06.2009 - 06.2011
Job overview
- Handles inbound and outbound calls, and correspondences for various company’s project
- Handles high profile complaint cases and feedback
- Multitasking with over 41 project
- Demonstrate a “can do” and professional attitude when servicing members and clients with the objective of exceeding expectations with the service provided
- Ensure incoming calls are answered promptly, appropriately and courteously
- Document all conversations, correspondence and actions into case management system
- Demonstrate an understanding of all key clients’ Operations and Billings Procedures
- Coordinate cases in an efficient and cost effective manner in accordance with company policies and procedures
- Be the first point of contact for members, end users, clients, service providers and colleagues
- Manage an allocated load of cases within the shift and ensure that it is communicated appropriately and efficiently in the transmission handover
- Ensure that sufficient logistic arrangements are made in timely and appropriate manner to meet the needs of members and clients
- Organize the full range of medical and security services for clients, utilizing the internal resources of company and external correspondents where necessary
- Carry out any other reasonable duties as requested by the manager
- Work as part of a 24/7 shift pattern
Teledirect Ptd -Singapore International Airline (SIA)
Customer Service Executive
04.2008 - 06.2009
Job overview
- Handles High priority passenger request for airline ticket reservation using their miles or membership points
- Provides the customer with the right connection point between SIA flight and also the partner flight
- Resolve any of customer requests pertaining the air ticket such as revalidation of the ticket, changing the destination of cancelling the ticket
- Handles customers from worldwide mainly from Europe, Australia, New Zealand and America
- Handles the passenger request for the in-flight services such as meal, seat or any special request or even medical assistant arrangement if required
NTUC FairPrice Cooperative
Team Leader For Service & Admin
01.2007 - 01.2008
Job overview
- Accountable for customer complaint and feedback for overall department throughout the whole branch
- Provide excellent customer service and immediate solution for customer enquiry or complaint via telephone
- Trained to provide excellent customer service and implement it to other team member as I believe in working together as team to achieve the goal
- Perform sales banking transaction for branch on daily basic
- Tabulates employee’s salary
- Calculate and balance the profit with total cash left
- Responsible to bank in the daily profit
- Prepare profit & lost report
- Reports the profit and loss to the headquarters on daily, weekly and monthly basis
- Manage all the back office admin work including staff welfare , ordering stock for admin use and etc
- Plans working schedule for all the department staff
- Performs sales taking report , top department sales , and in charge of weekly promotion advertisement
- In charged of taking meeting minutes
- Conduct interview and hire the suitable candidate for the relevant available position throughout the branch
SRG Asia Pacific ( Maxis Telecommunication Project)
Customer Service Professional
03.2006 - 04.2007
Job overview
- Provide immediate response for phone-in enquiries and feedback from customers
- Provide immediate attention to customers' problems and follow-up with relevant department to solve the customer problem as solving their problem is our main intention
- Provide professional training for the new staff to give the customer an excellent and outstanding service
- Able to attain average of 350 customer a day (based on 12hour job)
Berjaya Times Square Hotel & Convention Centre
Telephone Agent
11.2004 - 02.2006
Job overview
- Perform night auditing for telephone bill and consolidated sale per day
- Provide immediate response for phone-in enquiries, complaints and feedback from customers
- Provides immediate solution for the hotel guest request and follow up with relevant department
Education
OLYMPIA COLLEGE KUALA LUMPUR
A Level/Pre-U from Science & Technology, SOUTH AUSTRALIAN MATRICULATION
Sekolah Menengah Cheras
SPM/O Level from Science & Technology, Science Stream
Singapore Institute of Insurance
Basic Insurance Concept from Insurance
Cybernetic International College of Technology
Bachelor of Executive in Law from Law
Veritas University Collage
MBA from Law
University Overview
Enrolled for July 2025 Intake
Skills
Marms (SIA Database)
Additional Information - Personal Traits
- Excellent cross-cultural communication skills
- International living experience and regional exposure
- Passion for continuous learning and personal growth
- Highly motivated and driven, with strong desire to excel
- Low tempered and cheerful personality
Mobile Numbers
- +65-86618461
- +60166538003
Nirc
870307-56-5540
Fin Number
G8098394R
Personal Information
- Age: 31
- Date of Birth: 03/07/87
- Gender: Female
- Nationality: Malaysian
- Marital Status: Married
Timeline
Financial Lines Underwriter
AIG Asia Pacific Insurance Pte Ltd
09.2021 - Current
Campaign Executive
AIG Asia Pacific Insurance Pte Ltd
06.2011 - Current
Assistance Coordinator
Mondial Assistance Pte Ltd
06.2009 - 06.2011
Customer Service Executive
Teledirect Ptd -Singapore International Airline (SIA)
04.2008 - 06.2009
Team Leader For Service & Admin
NTUC FairPrice Cooperative
01.2007 - 01.2008
Customer Service Professional
SRG Asia Pacific ( Maxis Telecommunication Project)
03.2006 - 04.2007
Telephone Agent
Berjaya Times Square Hotel & Convention Centre
11.2004 - 02.2006
Sekolah Menengah Cheras
SPM/O Level from Science & Technology, Science Stream
Singapore Institute of Insurance
Basic Insurance Concept from Insurance
01.2010
Cybernetic International College of Technology
Bachelor of Executive in Law from Law
01.2024
Veritas University Collage
MBA from Law
01.2026
OLYMPIA COLLEGE KUALA LUMPUR
A Level/Pre-U from Science & Technology, SOUTH AUSTRALIAN MATRICULATION
01.2006
Similar Profiles
Felicia HorFelicia Hor
Senior Account Manager at AIG Asia Pacific Insurance Pte. Ltd.Senior Account Manager at AIG Asia Pacific Insurance Pte. Ltd.
Mahaletchumy NaidammahMahaletchumy Naidammah
Customer Sales Services Executive at Auto & General Insurance (Singapore) Pte. Ltd.Customer Sales Services Executive at Auto & General Insurance (Singapore) Pte. Ltd.
J A Y A L A C H M E M A N I B A L A NJ A Y A L A C H M E M A N I B A L A N
CUSTOMER SERVICE REPRESENTATIVE at HL Assurance Pte LtdCUSTOMER SERVICE REPRESENTATIVE at HL Assurance Pte Ltd
Calvin Teo Kai MunCalvin Teo Kai Mun
Senior Project Executive at Innotrend Pte LtdSenior Project Executive at Innotrend Pte Ltd
SITI RAFIQAH BINTI MOHD HILMISITI RAFIQAH BINTI MOHD HILMI
Digital Marketing Executive at FLITZIPP TECH SDN. BHD.Digital Marketing Executive at FLITZIPP TECH SDN. BHD.