ALISHA FAZAL
Lahore
Summary
Senior executive with over 20 years of leadership experience in insurance and takaful sectors. Expertise in driving claims transformation, optimizing loss ratios, and achieving operational excellence across diverse portfolios. Demonstrated success in implementing cost reduction strategies and fostering digital innovation to enhance business performance.
Overview
20
20
years of professional experience
Work History
Executive Vice President – Motor Claims
Salaam Takaful Ltd
Lahore
01.2024 - 08.2025
- Assisted in shaping national motor claims strategy to enhance profitability and operational efficiency.
- Supported digital transformation initiatives across the enterprise, focusing on automation and data-driven decision-making.
- Helped manage operations across multiple regions to ensure service standardisation and governance compliance.
- Facilitated the approval process for high-value complex claims, mitigating potential financial risks.
- Aided in enhancing fraud prevention frameworks to diminish risk exposure.
- Contributed to leadership development and succession planning within senior management.
Senior Vice President – Motor Claims
Salaam Takaful Ltd
Lahore
01.2022 - 12.2023
- Coordinated national claims operations with accountability for profit and loss.
- Assisted in boosting turnaround time, cost efficiency, and customer satisfaction.
- Facilitated standardisation of regional processes to improve control and consistency.
- Supported implementation of AI-based claims assessment and digital workflow projects.
- Enhanced compliance, audit readiness, and fraud detection systems.
Vice President – Claims
Salaam Takaful Ltd
Lahore
01.2020 - 12.2021
- Achieved 80% in-house claims processing, reducing outsourcing costs significantly
- Reduced heavy loss claims by 10% through targeted interventions
- Maintained claims settlement cycle within 45-day benchmark
- Enhanced anti-fraud detection systems and corporate client relationships
Assistant Vice President – Claims
Salaam Takaful Ltd
Lahore
09.2018 - 12.2019
- Assisted in managing claims life-cycle to promote efficiency and compliance with regulations.
- Facilitated cost savings through process improvements and supporting vendor negotiations.
- Supported the auditing process and adherence to regulatory requirements.
- Contributed to the development of effective claims teams.
Regional Manager – Claims
TPL Insurance Company
Lahore
12.2015 - 09.2018
- Supported structured vendor management and SLA frameworks.
- Assisted in reducing claims costs through salvage and recovery optimisation.
- Facilitated enhanced service delivery and improved turnaround time across region.
- Managed legal and complex claims portfolios effectively.
Assistant Manager – Claims
AIG Pakistan – New Hampshire Insurance Company
Lahore
07.2007 - 12.2015
- Assisted in managing regional claims operations focusing on compliance and efficiency.
- Supported fraud investigations and recovery efforts effectively.
- Coordinated with ACLC and CPLD for recovery of stolen vehicles.
Service Advisor (B&P)
Toyota Walton Motors
Lahore
07.2006 - 07.2007
- Assisted in managing estimation parts issuance and quality control operations.
- Coordinated with surveyors and customers to ensure effective service delivery.
- Supported teams in achieving operational goals and maintaining quality standards.
Claim Settlement Supervisor
M.Z.M Surveyors (Pvt) Ltd
Lahore
07.2005 - 07.2006
- Facilitated inspections, claims, surveys and approvals.
- Assisted with repair assessments and re-inspections.
- Supported project teams in maintaining quality standards.
Education
University of Punjab
Lahore Skills
- Motor claims strategy and leadership
- Loss ratio reduction and cost optimization
- Fraud risk management and investigation
- Nationwide claims operations
- Digital transformation and automation
- Vendor salvage and recovery management
- Regulatory compliance and governance
- Executive leadership and talent development
Hobbies and interests
- Cricket
- Batmen-tan
Timeline
Executive Vice President – Motor Claims
Salaam Takaful Ltd
01.2024 - 08.2025
Senior Vice President – Motor Claims
Salaam Takaful Ltd
01.2022 - 12.2023
Vice President – Claims
Salaam Takaful Ltd
01.2020 - 12.2021
Assistant Vice President – Claims
Salaam Takaful Ltd
09.2018 - 12.2019
Regional Manager – Claims
TPL Insurance Company
12.2015 - 09.2018
Assistant Manager – Claims
AIG Pakistan – New Hampshire Insurance Company
07.2007 - 12.2015
Service Advisor (B&P)
Toyota Walton Motors
07.2006 - 07.2007
Claim Settlement Supervisor
M.Z.M Surveyors (Pvt) Ltd
07.2005 - 07.2006
University of Punjab