The Journey of a Visionary Leader in Motor Underwriting and Insurance Operations

Ratheesh Kumar’s journey is one of dedication, expertise, and transformative leadership, spanning over 15 years in the insurance industry — including more than a decade in Oman. Recognised for his mastery in motor underwriting, commercial motor fleet management, claims handling, and portfolio profitability, Ratheesh has been a driving force for innovation and operational excellence.

Managing one of the largest motor portfolios in Oman—valued at around OMR 25 million—Ratheesh has consistently driven enhanced profitability through detailed performance analysis, strategic pricing actions, and corrective underwriting measures. A landmark achievement in his career is the pioneering launch of Laha Motor Insurance, a women-centric product that empowers female drivers and reshapes the perception and accessibility of motor insurance in Oman.

Ratheesh excels in claims cost control by collaborating closely with garages and claims teams, achieving faster claim resolutions and elevating customer satisfaction. His exceptional relationship management has fostered strong partnerships with brokers and clients, fueling sustained business growth and loyalty.

A proactive and inspiring leader, Ratheesh mentors teams, champions process improvements, and strengthens risk controls to ensure underwriting excellence. His strategic initiatives also focus on expanding SME and mini fleet segments and securing improved reinsurance terms for high-risk categories.

Armed with a Bachelor’s degree and diploma in Mechanical Engineering and certifications from the Insurance Institute of India, Ratheesh uniquely blends analytical precision with a customer-centric approach, revolutionizing underwriting standards and shaping the future of insurance operations.

Icons Oman proudly recognizes Ratheesh Kumar as one of the Top 100 Leaders shaping Oman’s insurance landscape—an embodiment of resilience, innovation, and excellence inspiring the next generation of industry professionals.