HFS Core Team

Reetika Fleming

Research Director, Insurance & Smart Analytics

Reetika Fleming is Research Director, Insurance & Smart Analytics at HFS Research. Her research extends into defining future business operations for property and casualty, life and annuities and reinsurance companies. She studies the broad use of data and analytics within enterprises, with a new research focus on machine learning and AI techniques to improve business decision making. Reetika regularly contributes to HFS’ research content in the form of evaluation studies, surveys, and point-of-view papers. She also supports custom research and strategy projects; analyzing data, supporting client inquiry, conducting regular discussions and briefings with both enterprises and service providers, providing consultative, analytical and expert support to HFS clients.

Prior to HfS, Reetika worked in the sourcing research wing of business research and consulting firm ValueNotes. Her responsibilities as Project Manager included research product design and development, managing custom research engagements, developing thought leadership through targeted content and community interaction. She also managed the unit’s web and social media strategy and presence.


Based in Cambridge, MA, Reetika has led numerous research assignments spanning global technology and business operations, and has spoken at multiple forums about the future of work.

Reetika has completed her Masters in Marketing Management with distinction from Aston University, UK, receiving Beta Gamma Sigma honors. Prior to this, she received her Bachelor’s in Business Administration with distinction from Symbiosis International University, India.

On a more personal note, she enjoys reading fantasy series, traveling to world heritage sites, and teaming up with her husband on strategy/simulation gaming.