Problem and intended decision

Building a scalable parametric insurance platform in India required bringing together different disciplines: insurance operations, climate intelligence, technology, regulatory requirements and distribution.

The challenge was not simply to develop an insurance product. It was to translate complex insurance and climate-risk requirements into a technology-enabled platform that insurers, distribution partners and end customers could use.

This required close coordination between the executive team, insurer-side stakeholders, technology teams and external partners, alongside continuous market research to identify opportunities for parametric insurance and adjacent climate-tech products.

The decision this was meant to support: What products should Plutas build? What should the platform enable? How should insurance workflows translate into product requirements? Where does the market opportunity exist, and how should the solutions be positioned to insurers, businesses, government institutions and investors?

My contribution

1. Product strategy and insurer-facing documentation

  • Worked with the executive team and Bajaj General Insurance stakeholders on Functional Requirements Documents (FRDs) and supporting product documentation.
  • Helped translate business requirements, insurance workflows and operational considerations into structured product requirements.
  • Contributed to defining product functionality, business logic and platform workflows.
  • Used Figma and Microsoft Office to structure, document and communicate product requirements.

2. Product wireframing and prototyping

  • Owned the wireframing and prototyping process for Plutas Insure, translating product requirements into visual interfaces and user journeys.
  • Designed platform screens, workflows and interface concepts in Figma.
  • Worked to align the user experience with insurance operations, business requirements and technical feasibility.
  • Iterated on product concepts to communicate functionality to internal stakeholders and support product discussions.

3. Market research and strategic business development

  • Conducted market, industry, regulatory and ecosystem research to identify opportunities for parametric insurance across India.
  • Researched climate-related vulnerabilities, insurance gaps, industry use cases and potential customer segments.
  • Developed presentations and business proposals for government institutions, enterprises, insurers and potential distribution partners.
  • Translated research findings into stakeholder-specific narratives to communicate Plutas' value proposition and explore partnership opportunities.
  • Evaluated emerging climate-tech product opportunities through market research, competitive analysis and preliminary product-market-fit assessment.

4. Investor relations and institutional competitions

  • Managed the end-to-end development of competition submissions, from market research and business narratives to presentation design and supporting marketing collaterals.
  • Developed investor-facing pitch decks, business plans, investment reports and partnership presentations.
  • Prepared materials for national and international innovation platforms and institutional opportunities.

Selected institutional recognitions supported through these submissions:

  • Tokyo Financial Innovation Award 2025: Finalist.
  • HDFC ERGO TechPreneur Season 2: Finalist.
  • India Insurtech Association Awards 2025: Winner, Tech for Bharat, Inclusive Insurance.

5. Climate data and technical collaboration

  • Initially supported the technology team in retrieving approximately 30 years of historical climate data from the India Meteorological Department (IMD) and ERA5 datasets.
  • Wrote supporting Python scripts to assist with climate data retrieval and handling.
  • Worked with Python, NumPy, Pandas and MySQL as part of this technical collaboration.
  • Developed an understanding of how historical climate datasets can support climate-risk analytics and parametric insurance product development.

6. Brand communications and public relations

  • Developed blogs, articles, media quotations and communication materials to strengthen the visibility of Plutas.ai and climate insurance.
  • Contributed to brand storytelling and PR initiatives around climate resilience, parametric insurance and financial inclusion.
  • Created content for external communications, institutional engagement and business audiences.

7. Website development and digital presence

  • Developed and managed the company's website through Wix.
  • Managed the website and digital presence of Plutas.ai and its subsidiary, DigiSafe Insurance Broking Private Limited.
  • Worked on website structure, content organisation, presentation of product offerings and digital communication.

Approach and tradeoffs

  • Product-to-insurer alignment: Translated business and insurance requirements into documentation and product workflows through discussions with internal leadership and insurer stakeholders.
  • Research-to-business strategy: Used market and ecosystem research to identify opportunities and develop tailored presentations for different institutional audiences.
  • Requirements-to-prototypes: Used Figma to convert product documentation and business workflows into wireframes and interactive prototypes.
  • Climate data-to-product intelligence: Supported the technical team in accessing historical climate datasets that underpin climate-risk assessment and parametric product development.
  • Strategy-to-market communication: Developed investor presentations, competition submissions, partnership proposals and communication materials to articulate the company's value proposition.
  • Continuous product discovery: Evaluated emerging climate-tech opportunities by examining market demand, competitive offerings, potential users and commercial viability.

Outputs and evidence

The work has contributed to several areas of the organisation's product and business development:

  • Product documentation: FRDs and supporting documentation developed in collaboration with the executive team and insurer-side stakeholders.
  • Product design: Figma wireframes and prototypes for Plutas Insure.
  • Market intelligence: Research reports, market assessments and strategic presentations for potential business and institutional partnerships.
  • Investor and competition materials: Pitch decks, business plans, investment reports and supporting collaterals.
  • Institutional recognition: Company submissions supported for the Tokyo Financial Innovation Award 2025, HDFC ERGO TechPreneur Season 2 and India Insurtech Association Awards 2025.
  • Climate data collaboration: Supporting scripts and technical assistance for retrieving historical IMD and ERA5 climate datasets.
  • Digital presence: Website development and management for Plutas.ai and DigiSafe Insurance Broking Private Limited.
  • Brand communications: Blogs, articles, media quotations and external communication materials.
  • Product discovery: Ongoing market research and evaluation of new climate-tech product opportunities.

Outcomes, with measurement context

The work contributed to the development and positioning of Plutas.ai's parametric insurance proposition and its broader climate-tech portfolio.

The most visible external evidence includes the company's finalist recognitions at the Tokyo Financial Innovation Award 2025 and HDFC ERGO TechPreneur Season 2, as well as its win at the India Insurtech Association Awards 2025 in the Tech for Bharat, Inclusive Insurance category.

Other outputs include product documentation, prototypes, investor and partnership materials, digital platforms and climate data support.

What this does and does not show. These outputs demonstrate my contributions to product definition, business development and organisational execution. They should not be interpreted as evidence that every prototype was commercially deployed or that the research and communication activities independently generated a specific revenue or adoption outcome.

Tools

Product design and prototyping

  • Figma

Research and productivity

  • ChatGPT
  • Claude
  • Microsoft PowerPoint
  • Microsoft Word
  • Microsoft Excel

Climate data and technical collaboration

  • Python
  • NumPy
  • Pandas
  • MySQL

Digital platforms

  • Wix