Raj is a Principal at Finity and leader of the CTP practice.  He is a lawyer and senior insurance claims manager and specialises in the management of long tail claims liabilities including policy design, benchmarking and performance improvement. Raj works closely with some of Australia and New Zealand’s leading insurers, regulators and businesses.


  Ph +61 2 8252 3332

   Mob +61 409 918 804

Areas of Expertise

  • Strategy and operations
  • Claims reviews, claims management
  • Policy and scheme design
  • Fraud and leakage mitigation
  • Provider management
  • KPI setting, culture and leadership


Raj works closely with some of Australia and New Zealand’s leading insurers, regulators and businesses.  Providing key strategic advice across a range of issues, he is focused on delivering high quality recommendations that give practical outcomes that add value to his clients.

He also regularly contributes to thought leadership on a range of issues, more recently across long tail and life claims management, dispute resolution, fraud mitigation and the sharing economy.

Key Accomplishments

  • Claims Management Reviews including benchmarking and performance target setting with state government insurance funds. Assessing portfolios against best practice, examining elements such as claims leakage, triaging, reserving, provider management, dispute resolution, quality and proactive claims strategies. Deliverables have included recommendations regarding appropriate key performance indicators and legal provider strategies.
  • Policy and scheme design, focussing on legislative levers for statutory personal injury schemes. Compliance framework improvement for a government insurance regulator which was undertaking a comprehensive scheme enhancement program. Raj has been involved in leading projects aimed at reducing transactional and frictional costs against the background of achieving health outcomes and social policy objectives.
  • Fraud and leakage reviews for a large private health insurer, statutory scheme and monopoly CTP insurer overseas. All involved assessing performance against best in class. Recommendations have included roadmaps to reduce incidence of fraud by re-designing processes, systems and addressing governance and accountability measures.
  • Claim reviews for workers’ compensation self-insurers and monopoly government schemes focussing on operational effectiveness and efficiency, technical and legislative compliance and outcomes.
  • Creating a legal panel provider file allocation methodology ranking firms on measures of equity and performance as well as assisting clients with alternative legal fee arrangements, provider monitoring and dashboard reporting.