Ramona Balaratnam leads insights for Deloitte’s UK Insurance practice. Her work focuses on understanding how structural shifts including AI and changing customer expectations are reshaping the insurance landscape.
She leads flagship research programmes, develops sector perspectives, and helps translate emerging trends into practical implications for insurers across General Insurance, Life & Pensions, and Reinsurance.
Prior to joining Deloitte, Ramona spent five years at Cognizant, where she specialised in analysing the impact of AI and emerging technologies across industries, with a particular focus on banking, financial services and insurance. She led industry analysis for the sector and advised clients on digital transformation, market positioning and evolving business models. She began her career at BCG, specialising in consumer research, where she supported cross-sector strategy work through data-driven insights and analysis.