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Lahore, Pakistan  ·  Insurance · Telematics · CX Transformation

Usman
Khalil

Helping insurers and service-led businesses turn data, operations and customer experience into measurable business outcomes.

25+ years across telecom, fintech and insurance. Operator, transformation leader and builder of practical digital systems for complex, high-volume environments.

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25+
Years Experience
Telecom, Fintech & Insurance
60M+
Customer Scale Exposure
National telecom operations
15K
Telematics Fleet Scale
Insurance-linked vehicle data
CX
Transformation Mandate
Contact center & service operations

A cross-sector operator
with a bias for practical transformation.

I work at the intersection of business operations, customer experience, telematics and data-led decision-making. My core strength is not only seeing what should change, but translating that change into workable systems, teams, processes and measurable outcomes.

Telecom taught me scale: millions of customers, thin margins, demanding service operations and the discipline required to keep national systems moving. Fintech taught me trust: adoption only grows when reliability, transparency and execution are strong. Insurance brought these lessons together: risk, claims, underwriting, customer anxiety and operational complexity all meet in one place.

My current focus is helping insurance and service-led organizations use data more seriously: claims intelligence, telematics, customer journey redesign, contact center transformation, workflow automation and AI-assisted decision support.

For me, transformation is not a presentation theme. It is the hard work of aligning leadership intent, frontline reality, process discipline, technology choices and customer outcomes.

“The best strategy is the one that survives contact with operations.”

Insurance TransformationTelematics & IoTCX StrategyContact CentersAnalytics & BIAI WorkflowsKYC / AMLOperational Governance
Business Lens
From activity to outcome
Designing initiatives around adoption, loss reduction, service efficiency, customer clarity and management visibility.
Execution Lens
From idea to operating model
Connecting strategy, SOPs, systems, dashboards, training, governance and frontline ownership.
Technology Lens
From tools to decisions
Using analytics, telematics and AI where they guide action—not where they simply create reports.

Where I can create
practical value.

Insurance & Telematics Strategy
Helping insurers move from basic tracking and compliance use cases toward measurable underwriting, claims and customer value.
  • Telematics product strategy and operating model
  • Fleet risk visibility, driver engagement and claims analytics
  • Business case development for loss-ratio improvement
CX & Contact Center Transformation
Redesigning service operations so customers get clear answers, agents know what to do next and leadership gets visibility into performance.
  • Contact center consolidation and governance
  • Journey redesign, SLA dashboards and escalation models
  • Scripts, templates and service quality frameworks
Data, Analytics & Decision Systems
Turning fragmented business data into usable management intelligence for underwriting, claims, compliance and operations.
  • Claims, KYC, portfolio and operational analytics
  • Dashboard design and executive reporting
  • Data quality, matching, mapping and fuzzy analysis use cases
AI-Enabled Operational Improvement
Applying AI carefully to real workflows where it can reduce manual effort, improve consistency and support better decisions.
  • AI-assisted document review and communication workflows
  • FNOL, claims and service automation concepts
  • Practical AI readiness assessment for legacy businesses

Experience that connects
strategy with execution.

01
Telematics & IoT
Building insurance-linked telematics capabilities across vehicle tracking, fleet visibility, behavioral data, customer engagement and claims intelligence.
02
CX Transformation
Improving service architecture across contact centers, digital channels, SOPs, escalation paths, scripts and customer communication loops.
03
AI & Digital Initiatives
Applying AI carefully to real workflows where it can reduce manual effort, improve consistency and support better decisions.
04
Analytics & BI
Developing board-level reporting, claims analysis, compliance dashboards and management visibility across fragmented datasets.
05
Telecom & Fintech Operations
Two decades of exposure to high-volume commercial operations, channel development, customer care, service quality and national-scale execution.
06
Compliance & Governance
Bridging leadership intent and operational reality through process design, stakeholder alignment, project governance and execution discipline.

Three industries.
One deliberate path.

Jun 2025
— Present
IGI General & Life Insurance
Head of Call Center Transformation
IGI General Insurance Ltd. · Lahore
Leading CX transformation mandate across both IGI General and IGI Life. Contact center operations, digital service architecture, and capability building.
CX StrategyDigital ChannelsIGI Life
Sep 2018
— Present
IGI General Insurance Ltd.
Head of Telematics
Pakistan's 4th Largest Insurer · ₨17B Revenue
Driving data-led transformation in motor insurance by integrating IoT and behavioral analytics to enhance pricing accuracy, claims efficiency, and customer experience. Fleet platform covering ~15,000 vehicles.
IoTMotor InsuranceAnalyticsKYC/AML
2005
— 2018
Telecom & Fintech — 20 Years
Commercial & Operations Leadership
Jazz / PMCL  &  Telenor Pakistan · $1B Revenue · 60M+ Subscribers
Two decades leading commercial operations, sales channel development, merger integration, and customer care at Pakistan's top telecom operators. At Jazz/PMCL through the Warid-Mobilink merger and into digital financial services. At Telenor as part of the greenfield launch team, standardizing service quality across nationwide operations.
Commercial OpsMerger IntegrationChannel DevelopmentDigital Financial ServicesCustomer Care
1997
— 1999
Education
MBA
MBA · CGPA 3.5 · Dean's Honor Roll
Majors in Investments, Credit & Risk Analysis, and Financial Statement Analysis. Academic scholarship recipient. Internships at Lahore Stock Exchange and Orient McCann Erickson.
FinanceRisk AnalysisDean's List

What I'm focused
on right now

Professional Credentials
CII Certification
Pursuing Chartered Insurance Institute qualifications to deepen technical insurance expertise alongside operational leadership experience.
Venture
Aixora Solutions
Developing AI-enabled tools and SaaS services for the insurance and financial services sector in emerging markets.
Investing
Capital Markets
Long-term equity investor with a conviction-based, concentrated portfolio approach. Focused on fundamentals over momentum.
Content
Thought Leadership
Publishing practitioner perspectives on insurance operations, AI adoption, and digital transformation across LinkedIn and Substack.

Practitioner perspectives on
what actually works.

Published on Substack under Turning Data Into Decisions — ground-level insights on AI, data, operations and transformation from someone who has built these systems across three industries.

Turning Data Into Decisions — new pieces on AI, insurance, telematics and operational transformation.
Subscribe on Substack ↗

Structured learning.
Verified expertise.

A mix of foundational credentials and continuing professional development — spanning project management, AI, strategy, and process excellence. Verified badges on Credly ↗.

Project Management
PMP®
Project Management Professional
Project Management Institute
Since 2012  ·  Active until Sep 2027
PMI-ACP
Agile Project Management
Moving Minds / PMI
2014
SCRUM
The Basics of Scrum
Project Management Institute
2024
AI & Emerging Technology
GenAI
Generative AI Overview for Project Managers
Project Management Institute
Aug 2024  ·  Verified on Credly
GenAI
Data Landscape of GenAI for Project Managers
Project Management Institute
Aug 2024  ·  Verified on Credly
AI
Talking to AI: Prompt Engineering for Project Managers
Project Management Institute
Aug 2024  ·  Verified on Credly
Strategy & Leadership
MIT
Leading Sustainable & Profitable Growth
MIT Entrepreneurship Center
2007
CRS
Innovation Management
Coursera
2017
PMI
Taming Bias: Wicked Problem Solving
Project Management Institute
Aug 2024
Process & Quality
LSS
Lean Six Sigma Yellow Belt
GEM International
2009
CII
Cert CII — Insurance
Chartered Insurance Institute
In Progress

Open to serious conversations
about transformation that works.

Available for selective consulting, advisory, collaboration and transformation conversations in insurance, telematics, CX, analytics and service operations.

ConsultingAdvisoryTransformation MandatesSpeaking / Writing