Risk Management

Risk culture in the recent past has seen rapid change. Developing a strong Risk Framework is essential to meeting new challenges in the management of risk. Developing such a structure requires the alignment of oversight and strategy, defining metrics, updating reporting processes and maintaining a forward outlook of economic scenarios. Further challenges in risk management are mitigating for externalities, utilizing the correct resources and effectively communicating risk measurement and its processes to all stakeholders.

Asset Liability Management (ALM)
Capital management
Reinsurance strategy
Analytics

Asset Liability Management (ALM)

Provide services setting risk measures, limits and reporting requirements and establish and asset liability management framework.

  • Develop modeling tools to supplement existing modeling to assist in ALM reporting
  • Defining risk metrics
  • Aligning management strategy with oversight

Capital management

Ensure minimum capital requirements are met timely.

  • Model capital requirements
  • Setting internal targets for capital adequacy ratios

Reinsurance strategy

Optimal reinsurance structure to balance risk exposures, capital requirements, profitability and market competitiveness

  • Setting retention limits on different types of risk exposures
  • Use of financial reinsurance as a reserve and capital relief strategy

Analytics

Application of deep learning techniques to experience data to identify risks in different policyholder groups

  • Understanding policyholder behavior at a more granular level
  • Healthcare cost analytics to aid in product design and pricing
  • Identifying target markets to manage losses / profitability
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