Rafiq Ahmad

I am a hardworking, honest and loyal employee with great experience in insurance industry. 

Qatar Fertilizer Company
December 2015 till date
Senior Insurance Specialist
As Senior Insurance Specialist, I am responsible for all insurance related matters 
which include strategy, procurement, evaluation & claim management.
Responsible for planning, coordinating, and delivering the full range of insurance 
management activities covering, procurement, budgeting, compliance with 
Lenders Insurance requirements, claims investigation and negotiation, insurance 
risk management and relationship management. 
Reporting to the Chief Financial Officer and have a close coordination with 
various levels within the company as well as external parties including Insurance 
Brokers, Local Insurance Companies, Re-insurers, Underwriters, and Adjusters 
and Claim Managers. I serve as a focal point and interface between the insurance 
market and organisation.
Key Accountabilities
Formulate and establish Policies and Procedures to govern insurance 
procurement and administration, claims investigation and management. Conduct 
regular review to ensure appropriateness for the operating environment.Continuously monitor effectiveness of insurance strategy and revise to ensure 
optimum protection based on economic factors and the operating environment.
Evaluates proposals submitted by insurance companies and provide the 
appraisals as required to the tender committee/Management.
Coordinate the implementation of the Risk Improvement Recommendations as 
necessary, with various divisions, departments, and sections. Document the 
developments and update the insurance market appropriately.
Reviews and assesses insurance clauses of various contracts of the Company to 
ensure all property, other assets and personnel are adequately covered under 
various insurance policies and their provisions. Highlights areas of concern and 
escalate potential challenges with management until resolved. Initiate the 
placement of temporary or special insurance to meet operational needs as 
required from time to time.
Lead the evaluation of bids received and actively manages the administration of 
the resulting program.
Lead negotiations with existing and new insurance providers to obtain the most 
cost-effective coverage for the Company or its expansion projects.
Provides advice to various departments and contractors at the tender stage on 
coverage required for insurance purposes. Participate in analyzing the scope of 
work and possible risks, to ensure that the Company is fully covered.
Responsible for the timely notification of insurers of any incident(s) which may 
be due to their significance and may result in a claim. Advise the concerned 
department(s) on required reports and documents necessary to prepare a formal 
claim. Coordination in negotiating all claims to a final settlement.
Analyse ongoing insurance policy performance especially prior to renewal dates 
and highlights any shortfalls and provides specific recommendations with 
financial support, for improvement in the renewal provisions.
Cunningham Lindsey Saudi Limited 
March 2010 till November 2016
Branch Manager Jeddah
As Branch Manager, I was responsible for the overall functioning of the office, 
liaising with various insurers, brokers including reinsurers etc for new jobs, 
ensuring timely surveys and issuance of appropriate reports. My role exposed me 
to the functioning of large corporates about their insurance program and ourrecommendations were widely accepted.Arabian Inspection & Survey Company Ltd (Manager Lloyds Agency)
April 2009 February 2010
Engineer Surveyor & Loss Adjuster.
I was handling various types of Marine & Non-Marine claims reporting to the 
General Manager. I worked on the claims pertaining to the major multimillion 
projects like King Abdulla University of Science & Technology & GSM Network
installation of Mobily Network in Saudi Arabia. 
Shahzada Surveyors
April 1996-March 2009
Principal
Practiced as an independent surveyor Licensed by Ministry of Finance Government 
of India and was working with all the Government Subsidiaries of General 
Insurance Corporation of India & other major private players in India

• Bachelor of Engineering - Electrical Engineering 
Bangalore University, 
August 1995.
• IFCE (Saudi Arabian Monetary Agency) 2011
• AIIISLA India