Dewi NairChief Human Resources Officer

Dewi Nair · Chief Human Resources Officer · Singapore / Southeast Asia

From claims files to the committee room

CHAPTER 1

Apr 2021 — Present

Chief human resources officer

Kenanggawi Takaful

Sector
Family takaful: protection, medical and savings-linked plans
Ownership
Subsidiary of a listed Malaysian financial group; a foreign insurer holds a 30% minority stake
Company scale
RM1.38 billion gross contributions in financial year 2025
Employees
About 1,240 employees; about 7,600 contracted takaful agents are not employees
Geography
Kuala Lumpur headquarters; 14 branches across Peninsular Malaysia, Sabah and Sarawak
Reporting to
Chief executive; attends the board's nomination and remuneration committee
Team
58 HR colleagues through five heads
Financial scope
RM212 million annual staff-cost budget; RM14 million HR operating budget

Mandate

Make sure the people who carry each obligation to participants have the right relationship with the company, a manageable load and a credible successor.

Outcomes

  • Ended agency contracts held by branch service employees, with transition payments and a regraded service role
  • Created a sixteen-person named-case team for death and disability claims
  • Introduced tested and rostered language allowances for service roles
  • Established written successor readiness for each key responsible role

Decisions in context

Kenanggawi recruited me to strengthen the people side of a business whose obligations last for decades. A family takaful certificate may run for twenty years, and the people who service it, assess its claims and value its liabilities must be available, qualified and properly supervised throughout. I lead five heads covering talent, reward, people operations, learning and employee relations. I prepare papers for the nomination and remuneration committee on executive appointments, pay and succession, and I coordinate the people evidence for fit-and-proper assessments. I do not decide claims, agency commission or Shariah matters, which belong to the claims, agency and Shariah functions. My work is to make sure the people we ask to carry each obligation have the right relationship with us, a load they can sustain and a visible successor. Both Kenanggawi cases on this site come from that remit.

Reason for the move

Current appointment; seeking a first compatible non-executive seat with employer approval.

CHAPTER 2

Jul 2016 — Mar 2021

Director of human resources

Lintaravi Life Indonesia

Sector
Life insurance with a sharia business unit, separated into its own company in 2020
Ownership
Indonesian subsidiary of a regional insurance group
Company scale
Rp 6.9 trillion gross written premium in 2020
Employees
About 1,900 employees; the agency force was contracted separately
Geography
Jakarta headquarters; 22 marketing offices across Java, Sumatra and Sulawesi
Reporting to
President director; reported to the remuneration and nomination committee of the board of commissioners
Team
41 HR colleagues
Financial scope
Staff costs of about Rp 640 billion a year; HR operating budget and transfer costs for the sharia separation

Mandate

Build an HR function able to support a two-tier governance structure, an employed agency-support team and the separation of the sharia business.

Outcomes

  • Staffed the sharia separation, with 89 of 96 transferring employees accepting
  • Redesigned pay for employed agency development staff around support quality and compliance results
  • Built succession reviews for actuarial, risk and compliance leadership

Decisions in context

Jakarta changed my understanding of who represents an insurer. Lintaravi had about 1,900 employees and an agency force several times larger, contracted separately and supported by employed agency development staff. My policies reached only the first group, yet customers rarely saw the difference. I led 41 HR colleagues and reported to the president director, presenting to the remuneration and nomination committee of the board of commissioners under Indonesia's two-tier structure. The largest project was separating the sharia business into its own company, which required transfers, new contracts and control functions able to stand alone. I also redesigned pay for the agency development staff so that it rewarded support quality and compliance outcomes. I worked in Bahasa Indonesia every day, which made many conversations easier and a few disagreements sharper.

Reason for the move

Recruited as CHRO of a Malaysian family takaful operator, with board-committee responsibility and a return to Kuala Lumpur.

CHAPTER 3

Jan 2012 — Jun 2016

Head of HR business partnering, claims and operations

Pelmoray General Insurance

Sector
Motor, property, travel and commercial general insurance
Ownership
Singapore subsidiary of a foreign insurance group
Company scale
S$640 million gross written premium in 2015
Employees
About 820
Geography
Singapore
Reporting to
Head of human resources
Team
Six HR business partners
Financial scope
People costs and grading for about 430 claims, underwriting and operations employees

Mandate

Give claims and operations managers practical HR support grounded in how the work is actually done.

Outcomes

  • Added file quality and conduct to promotion criteria for claims officers
  • Introduced caseload reporting by individual officer
  • Supported a regrading of claims and operations roles

Decisions in context

This was my first formal HR appointment, and it came with an advantage and a risk. I knew the claims work closely, so managers trusted my questions about caseload and training. The risk was that I would see every issue as a claims officer would. I led six HR business partners serving about 430 claims, underwriting and operations employees. I worked on grading, performance reviews and selection for supervisory roles, and I learnt employment law and policy properly for the first time, with support from the group's employee-relations specialists. The work I valued most was a review of how claims officers were promoted. Promotion had favoured speed of closure. We added file quality, reviewed by senior assessors, and the conduct record, so that promotion stopped rewarding people who closed difficult files by pushing customers away.

Reason for the move

Appointed to lead HR at a Jakarta life insurer, a first head-of-function role.

CHAPTER 4

Mar 2007 — Dec 2011

Claims training and workforce planning manager

Pelmoray General Insurance

Sector
General insurance
Ownership
Singapore subsidiary of a foreign insurance group
Company scale
About S$510 million gross written premium in 2011
Employees
About 760
Geography
Singapore
Reporting to
Head of claims
Team
Nine trainers and workforce planners
Financial scope
Claims training budget and rostering for about 210 claims staff

Mandate

Shorten the time new claims officers needed to handle files competently and staff the claims function to its real demand.

Outcomes

  • Rebuilt induction around supervised live files
  • Built rosters from hourly volume by product and language
  • Measured unrostered interpreting work by bilingual officers

Decisions in context

I moved from leading one team to designing how every claims team learnt and was staffed. With nine trainers and planners, I rebuilt induction so that new officers handled supervised files from their second week instead of observing for a month. I also built rosters from the volume we actually received by hour, product and language, rather than from a standard pattern. That revealed how often a Malay- or Mandarin-speaking officer was pulled away from their own files to explain a decision on a colleague's behalf. We began to count that work and roster it. During this period I studied part time for a master's degree in human resource management. The degree gave me a vocabulary for what I had seen; the roster gave me evidence that managers could not easily dismiss.

Reason for the move

Moved into HR business partnering for claims and operations after completing the master's degree.

CHAPTER 5

Apr 2002 — Feb 2007

Motor claims officer, later team leader

Pelmoray General Insurance

Sector
General insurance
Ownership
Singapore subsidiary of a foreign insurance group
Company scale
About S$380 million gross written premium in 2006
Employees
About 640
Geography
Singapore
Reporting to
Motor claims manager
Team
Fourteen claims officers from 2004
Financial scope
Motor claim payments within a delegated authority limit

Mandate

Settle motor accident, theft and windscreen claims fairly and keep the team's caseload under control.

Outcomes

  • Led a fourteen-officer motor claims team within a delegated payment limit
  • Tracked open cases by individual officer
  • Rebalanced injury-related files across the team

Decisions in context

I joined as a motor claims officer and became team leader in 2004, with fourteen officers handling accident, theft and windscreen claims for private and small-fleet policyholders. I approved payments within a delegated limit and referred larger or disputed claims to senior assessors. I learnt to watch each person's caseload, because the team average hid the officer who was falling behind. Festive periods, monsoon weeks and a single large accident could change the load within days. I also learnt that the officers who handled the most distressing calls, accidents involving serious injury or death, were often the most capable people and the least likely to say they needed a break. Moving that work fairly between them was part of leading the team, and it became the question I carried into training, HR and my current role.

Reason for the move

Asked to design training and staffing for the wider claims function.

CHAPTER 6

Jul 1999 — Mar 2002

Claims assistant

Tirravel Loss Adjusters

Sector
Loss adjusting for motor, property and liability claims
Ownership
Privately owned partnership
Company scale
About S$9 million annual fee income
Employees
About 60
Geography
Singapore
Reporting to
Senior loss adjuster
Team
No direct reports
Financial scope
Document schedules and draft report sections for assigned files

Mandate

Support adjusters by assembling evidence and correspondence for each claim file.

Outcomes

  • Prepared document schedules and draft report sections for adjusters
  • Recorded site observations under supervision
  • Maintained claimant correspondence logs

Decisions in context

I joined a loss adjuster straight after my degree. The firm investigated motor, property and liability losses for insurers and reported on the cause and value of each claim. I chased documents, recorded site observations under supervision and drafted sections of reports for the adjusters to review. I had no authority over any conclusion, and the firm made that clear on every report. What I learnt was the difference between a fact the file could prove and a judgement that belonged to a qualified person. I also saw how much of a claimant's experience depended on who answered the telephone, a lesson one senior adjuster taught me through a widow's handwritten note. I moved to an insurer because I wanted to work on that relationship from the inside, not only describe it in a report for someone else.

Reason for the move

Joined a general insurer to work on the claims relationship from inside the company.

What I am looking for next

I would like to join a board where the workforce is genuinely a board question: a company whose service depends on a mix of employees, contractors and outsourced staff, or whose key roles need regulatory approval or scarce qualifications. Large services businesses in Malaysia or Singapore, in logistics, facilities management or private education, fit that description. I would avoid insurers, takaful operators and banks while I remain at Kenanggawi, because the conflicts would be constant. I have not served as a director and would begin as a member of a nomination or remuneration committee under an experienced chair, not as its chair. Twenty-two days a year are available with my chief executive's agreement and our group's approval. I would bring practical questions about who carries each obligation, how much load they can bear and who would take over, and I expect to learn a great deal from colleagues who know the business better than I do.