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Abhaya Kulkarni-Joshi is a seasoned business analyst with extensive experience in the insurance and technology sectors. Currently serving as a Senior Business Analyst at the National Association of Insurance Commissioners (NAIC) since September 2018, Abhaya previously held various roles at DST Systems, including Software QA Consultant, Senior ETL Analyst, Principal Applications Analyst, and Client Relations Coordinator, from May 2000 to September 2018. Abhaya's expertise encompasses user story analysis, test planning using Behavior Driven Development, system design, and documentation. Academic credentials include a Master of Science in Industrial Relations from Iowa State University, a Master of Management Studies from SMISR, and a Bachelor of Science in Statistics from the University of Mumbai. Prior roles include Payroll Manager at KUPI and Training Executive at Mahindra & Mahindra.