What is your practice area and/or area of expertise?
Group Insurance Disability Pricing and Assumptions
What led you to become an actuary, and what attracted you to the profession?
I’ve always had a passion for math, and when I learned about the actuarial profession, I was intrigued by how it combines mathematics with economics and finance. Additionally, coming from a family of doctors and engineers, I wanted to pursue a career that was unique yet equally challenging.
Describe a time when your professionalism training has helped you in your career.
My professionalism training has been invaluable in breaking down complex topics for diverse audiences both in and out of the workplace. For instance, during a student outreach event I explained what an actuary does by playing a game where students considered whether to spend money on cellphone insurance. They learned to consider the different factors (assumptions) involved in insurance. This approach received positive feedback and greatly improved their understanding of insurance and the actuarial profession. I’m always looking for new ways to explain the profession to younger audiences. My latest recommendation has been the Academy’s “Magic School Bus” book! [The Magic School Bus Takes a Risk: A Book About Probability.]
Tell us about a time where your actuarial expertise influenced an important decision in your workplace.
In group insurance disability pricing, I often work closely with underwriters. One instance involved an underwriter consulting me about a small group employer case seeking paid family leave insurance. They wanted to determine if the risk warranted a load or if it could be offset through other costs. After analyzing the employer’s risk profile—including demographics of covered employees, industry of the employer, and location of employees, as well as their historical experience—I advised that while the risk was low, it was significant enough to require a small charge to achieve our profit levels. This decision highlighted the importance of actuarial input and collaboration in underwriting decisions.
What’s one of the biggest lessons you’ve learned in your career?
One of the biggest lessons I’ve learned in my career is the power of networking. It plays a crucial role in all phases of your professional journey. Whether you’re looking for a job, seeking exam advice, exploring job mobility opportunities, or pursuing volunteer and leadership roles, a strong network can make all the difference. I’ve personally leveraged my network in all these instances, and found that it is much harder to stand out and access these opportunities without these connections.
What advice do you wish you were given at the beginning of your career?
You’ve probably heard that it’s okay to ask questions, but I wish someone had emphasized that it’s also okay to ask the same questions multiple times, even to the same person. If you don’t understand something, it might mean that the explanation given wasn’t clear enough for you. Additionally, it’s beneficial to ask multiple people the same question. Hearing different perspectives and explanations can help you find the one that resonates with you and enhances your understanding.
What do you value most about your Academy membership or Academy volunteer work?
I value the Academy’s growing commitment to DEI [diversity, equity & inclusion]. The Academy’s partnership with SANA [the South Asian Network of Actuaries], including sponsorship and hosting webinars for our members, has been invaluable. These efforts help reach more members, grow the field, and add diverse perspectives, which are crucial for the profession’s future.
Would you like to share anything else with aspiring or new actuaries, or those interested in volunteering for the Academy?
If you’re an aspiring or new actuary looking for advice, consider joining one of the many affinity organizations that cater to a wide audience. These organizations are always looking for volunteers, regardless of how much time you can commit. Volunteering is a great way to connect with experienced actuaries and gain valuable insights. Even if you don’t feel like you perfectly fit into one of the groups, you can still be an ally and provide your support. Your involvement can make a significant difference and help foster a more inclusive community.
Beyond work—what are your hobbies or personal interests?
I love traveling, baking, and playing board games. My current favorite is Catan, specifically the Seafarers expansion edition. The regular version is also a classic! My family started playing it during COVID and it has been a favorite ever since. I try to cram in as much travel as I can between exam sittings. I’m very much looking forward to being done with exams so that I can have more free time to fully enjoy my hobbies.
