About the role
Job Description Underwriting & Risk Assessment Underwrite complex and high sum insured retail health insurance proposals with thorough risk assessment and appropriate decision making. Review and analyze proposal forms, portability forms, declarations, past policy documents, and underwriting histories to identify material disclosures and risk indicators Review and interpret medical documents, investigation reports, discharge summaries, prescriptions, and specialist opinions, ensuring accurate utilization of medical information in underwriting decisions. Evaluate pre-policy medical examination reports and correlate findings with disclosed medical history. Approve, decline, load, or apply exclusions in line with underwriting philosophy and company risk appetite. Ensure adherence to IRDAI regulations, company underwriting guidelines, product features, and internal SOPs. Team Management & Leadership Lead, mentor, and manage a team of medical underwriters, ensuring productivity, quality, and compliance. Allocate work, monitor daily throughput, and ensure optimal utilization of team capacity. Conduct performance reviews, coaching sessions, and quality audits to improve underwriting outcomes. Drive a culture of accountability, continuous learning, and underwriting excellence. Process, MIS & Governance Ensure daily productivity MIS, quality metrics, dashboards, and process reports are published accurately and on time. Review underwriting deviations, exceptions, and referral trends, and take corrective actions. Partner with operations, sales, and product teams to improve underwriting processes and turnaround time (TAT). Support audits, inspections, and regulatory reviews related to underwriting. Stakeholder & Customer Management Resolve complex customer, sales, broker, and partner queries or grievances related to underwriting decisions. Act as a subject matter expert for escalations involving medical or underwriting judgment. Collaborate with Sales, Claims, Actuarial, Product, and Legal teams for business initiatives and policy interpretation. Training & Capability Building Conduct structured training sessions for team members on medical knowledge, underwriting concepts, disease biology, and regulatory updates. Develop and update training material, SOP interpretations, and underwriting best practices. Stay updated on emerging medical trends, treatment protocols, and insurance market developments and cascade learning to the team. .