Cogitate Rater AI

Architected and developed the Hybrid Rating Engine platform for insurance pricing teams and actuaries.

Built a system that translates actuarial and pricing Excel models directly into functional web applications by parsing a standardized '_Schema' tab, entirely bypassing the need to recode complex formulas into Python or JavaScript.

Designed a decoupled stack featuring a vanilla frontend for dynamic UI generation and a Python/FastAPI orchestration layer that handles API requests, inputs JSON into memory-loaded Excel files, and extracts calculation outputs.

Enabled seamless transition between standard flat schemas and complex iterative schedule modes, allowing real-time mathematical parity with actuarial sources of truth.

• Developed rapid API routing (GET/POST) using FastAPI to handle model configurations and calculation requests.
• Created an auto-discovery schema parser for translating native cell data into JSON-driven frontend structures.
• Eliminated weeks of manual transcription by allowing actuaries to maintain and update the native Excel logic.
• Handled massive dependency tree recalculations for heavy models like PAR and PC Rating instantaneously in-memory.

Excel-to-Web Rating Platform

Dynamic web interface driven by Excel _Schema tab for instantaneous insurance premium calculations.