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Harjit QezlraviChief Data Officer

Harjit Qezlravi · Chief Data Officer · India

Following location evidence from fieldwork into the board paper

Apr 2021 — Present

Chief Data Officer

Navqelri General Assurance

Sector
General-insurance data and commercial-property information
Ownership
Promoter 48%, institutional investors 42%, employee vehicle 10%; 0.1% beneficial interest within vehicle
Company scale
FY 2025–26 gross written premium ₹2,080 crore; not revenue or profit
Employees
970 company employees; 47 data employees and nine contractors separately
Geography
Ludhiana headquarters and twenty-three offices
Reporting to
Chief Executive Officer; invited data discussions with directors
Team
Forty-seven employees through four heads; nine contractors separate
Financial scope
₹11.8 crore annual data-function expense; professional insurance decisions separately owned

Mandate

Keep source, date and uncertainty visible when information enters a business decision

Outcomes

  • Reconstructed historical geographic classifications with unresolved cases retained
  • Required sensitivity findings beside flood-boundary categories
  • Separated location evidence from insurance and professional conclusions

Decisions in context

Four heads lead forty-seven employees within ₹11.8 crore annual function expense, with nine contractors counted separately. I report to the CEO and explain data recommendations to directors when invited. That exposure does not give me a statutory seat or professional insurance authority. The historical-boundary work and flood sensitivity exercise both examined what a convenient display could imply beyond its evidence. A current map could answer the wrong question about the past; a binary classification could hide uncertainty near a modelled line. My role was to make those limitations affect the proposed use and the resources required for further work. Stewardship head Dilip Vezlqari helped preserve the source account through handover. I want the CDO recommendation to show the unresolved part alongside the usable result, especially when a more complete-looking view would be easier to present.

Reason for the move

Current appointment; considering insurance data leadership and a prepared first board contribution

Concurrent appointment

Executive employment only; no statutory directorship

Apr 2015 — Mar 2021

Head of Spatial Information

Navqelri General Assurance

Sector
Property-location records and spatial information
Ownership
Domestic promoter, institutional and employee interests
Company scale
Annual gross written premium ₹1,310 crore at period end
Employees
704 company employees; twenty-eight spatial-information employees
Geography
Ludhiana-led property-information programmes
Reporting to
Chief Data Officer
Team
Twenty-eight spatial-information employees
Financial scope
₹6.4 crore annual function expense; survey certification and insurance approvals separate

Mandate

Make location representations faithful to the evidence supporting them

Outcomes

  • Withdrew a uniform point view I had approved
  • Separated survey verification from postal-area references
  • Restricted unresolved locations from detailed screening

Decisions in context

Twenty-eight colleagues worked within ₹6.4 crore annual function expense. I had enough survey experience to understand different kinds of location evidence, yet in 2018 I approved a view that concealed those differences behind a shared point symbol. The source review made the problem concrete: 120 survey-verified positions, forty-two postal-area centres and eighteen records without established provenance were being presented as though they supported the same task. I withdrew the view from detailed screening and funded the correction. The work did not produce perfect coordinates for every record. It made the usable, coarse and unresolved evidence distinguishable, with professional owners deciding the appropriate application. The episode changed my approach to leadership approval. I needed to ask what the user would infer from the presentation, rather than only whether the technical fields were present and the interface looked consistent.

Reason for the move

Promoted to CDO with broader enterprise stewardship and CEO reporting

Apr 2008 — Mar 2015

Location Data Manager

Navqelri General Assurance

Sector
Commercial-property insurance location records
Ownership
Privately held domestic general insurer
Company scale
Annual gross written premium ₹690 crore at period end
Employees
426 company employees at period end
Geography
Ludhiana and regional property portfolios
Reporting to
Head of Enterprise Information
Team
Eighteen data and stewardship employees
Financial scope
₹3.2 crore annual function expense; underwriting and claims authority excluded

Mandate

Preserve source meaning as property information enters insurance workflows

Outcomes

  • Established the intended use behind location requests
  • Worked with professional owners on source limitations
  • Kept coarse and unverified references distinct from surveyed positions

Decisions in context

I joined the insurer with eighteen colleagues and ₹3.2 crore annual function expense. The new setting required me to understand why a location was being requested before deciding whether a source was suitable. A broad-area reference could support one reporting question while being inadequate for a building-level assessment. Underwriting, claims and actuarial colleagues owned decisions that used this information, and I had to learn their requirements without assuming their authority. The role also showed how a qualification could disappear between the source record and a downstream report. I worked on preserving meaning through that transfer, including the date and method behind a location. Moving into spatial-information leadership widened the team and the presentation responsibility. It also increased the importance of asking whether an attractive common view had erased differences that professionals still needed to see.

Reason for the move

Promoted to lead spatial information across the insurer

Apr 2001 — Mar 2008

Geospatial Delivery Lead

Zavqerthi Survey Services

Sector
Survey-information delivery and geographic data preparation
Ownership
Privately owned technical-services partnership
Company scale
Annual service income ₹31 crore at departure
Employees
118 company employees at departure
Geography
Ludhiana office and regional field assignments
Reporting to
Director responsible for technical delivery
Team
Twelve delivery and information colleagues
Financial scope
₹1.3 crore annual delivery expense; client project budgets and certification separate

Mandate

Carry source conventions and qualifications from field evidence into usable information

Outcomes

  • Coordinated geographic data preparation
  • Preserved source dates and coordinate conventions
  • Kept professional certification distinct from delivery completion

Decisions in context

I led twelve colleagues within ₹1.3 crore annual delivery expense. Client project budgets remained separate, as did professional certification of survey work. My responsibility concerned the transfer from field and source evidence into information another team could use. The technical handover needed to preserve coordinate conventions, dates and descriptions of accuracy. Those details could feel secondary when a clean map was ready, but their absence could change the meaning of the next calculation. I learned to ask what the recipient intended to do rather than assume a completed file was suitable for every use. Joining the insurer gave me an opportunity to follow that question beyond a delivery milestone. Those location records would remain in use, change versions and enter decisions for which the original survey team might no longer be present to explain their limits.

Reason for the move

Joined an insurer to steward location evidence through continuing business use

Jun 1994 — Mar 2001

Survey Assistant

Zavqerthi Survey Services

Sector
Field-survey assistance and location records
Ownership
Domestic technical-services partnership
Company scale
Annual service income ₹7.4 crore at period end
Employees
35 company employees at period end
Geography
Ludhiana-based field and office work
Reporting to
Supervising survey professional
Team
Individual contributor in a seven-person survey group
Financial scope
Field and record preparation without independent certification or client-budget authority

Mandate

Record what was located, how it was established and the qualifications needed for its use

Outcomes

  • Supported field records under supervision
  • Distinguished points, buildings and area references
  • Preserved qualifications for later technical review

Decisions in context

After completing geography studies in May 1994, I joined a seven-person survey group. I assisted field and record preparation under professional supervision and could not independently certify the work. The experience made the physical meaning of a location tangible. A point might refer to an observation, a building feature or a broader reference, and the distinction mattered before it reached a computer display. I learned to preserve notes about how information had been established rather than treat them as untidy background to the final drawing. My later mistake with a uniform map symbol did not erase that lesson; it showed that senior convenience could override something I had understood in junior work. I return to those early questions when a data product looks complete: what was actually located, by what method, and what is the next user entitled to infer?

Reason for the move

Promoted to geospatial delivery leadership

What I am looking for next

I would consider a CDO mandate that gives stewardship a practical role in deciding how information is used. The organisation should want to know when a complete-looking map or dataset answers a different question from the one being asked. I would look for clear professional owners, resources to investigate provenance and a reporting process that can retain unresolved cases without treating them as failure to finish. A first outside-board contribution requires a separate assessment. I have no statutory seat and hold a 0.1 percent beneficial interest through my employer’s employee vehicle. Twenty-three annual days are a starting capacity proposal, not a commitment made before seeing the calendar. I would seek an experienced chair who wants to examine how source limitations reach major decisions, while leaving technical production and professional certification with management. A role built around personal assurance of a model or access to insurer data would be unsuitable. The useful contribution would be clearer judgement about what the evidence can responsibly support.