Dr. Bharath Raja is a Nat Cat Expert for Atmospheric Perils at Munich Re Singapore, supporting Asia-Pacific, the Middle East and Africa. His work at Munich Re focuses on catastrophe model evaluation, portfolio analytics, parametric solutions, technical training and advisory support. He works with underwriters, client managers and business teams to explain model outputs and support practical Nat Cat risk decisions. His role also includes applying flood modelling, climate-change analysis and uncertainty assessment to underwriting and portfolio-management questions.