About the role
Key Responsibilities 1. Technical Underwriting & Risk Selection Evaluate and underwrite mid to large?ticket risks in accordance with company underwriting guidelines and risk appetite. Conduct detailed assessment of financials, risk engineering reports, historical claims, peer benchmarks, and industry risk factors. Determine appropriate pricing, deductible structures, terms, conditions, and coverage extensions. Ensure compliance with underwriting audits, documentation standards, and regulatory guidelines. 2. Portfolio & Profitability Management Manage portfolio health through regular monitoring of loss ratios, exposure concentration, rate adequacy, and renewal retention. Identify trends and propose corrective actions to maintain underwriting discipline and profitability. Review periodic MIS dashboards and provide insights for senior management reviews. 3. Business Growth & Strategic Support Partner with distribution teams to drive profitable growth across brokers, corporate clients, and channel partners. Participate in major client meetings, pitches, and renewal discussions. Support new product development and enhancement by providing underwriting insights, pricing recommendations, and market intelligence. 4. Cross?Functional Collaboration Work closely with claims teams to assess loss drivers, support complex claim reviews, and refine underwriting guidelines. Collaborate with actuarial and risk teams on pricing models, portfolio modelling, and risk frameworks. Engage with finance and operations on premium booking, audit readiness, and process compliance. 5. Governance, Compliance & Controls Ensure strict adherence to internal underwriting authority limits, IRDAI norms, and company governance frameworks. Maintain audit?ready documentation, risk notes, pricing justifications, and approval trails. Drive continuous improvement in underwriting workflows, systems usage, and process automation. 6. Leadership & Capability Development Mentor and guide junior underwriters on risk assessment, technical underwriting, and customer engagement. Conduct training sessions on product knowledge, underwriting tools, and market developments. Foster a culture of discipline, accountability, and strong underwriting ethics. Qualifications Bachelor’s or Master’s degree in Finance, Risk Management, Engineering, Economics, or Business Administration. Professional certifications such as ACII, III Fellowship, CPCU, or equivalent are preferred. Technical or engineering background is an advantage for Property/Engineering underwriting. Experience 10 to 15 years of experience in commercial or specialty line underwriting (e.g., Property, Casualty, Liabilities, Marine, Engineering, Trade Credit, Health Corporate). Strong exposure to large corporate accounts and broker?driven business. Experience in portfolio management, pricing, and risk engineering coordination preferred. Skills & Competencies Excellent risk assessment and analytical skills with strong decision?making ability. High level of technical expertise in underwriting principles, risk engineering interpretation, and policy wordings. Strong negotiation and communication skills with ability to handle senior stakeholders. Good command over analytics, Excel, underwriting systems, and MIS tools. Ability to balance business growth with disciplined underwriting and governance. Leadership mindset with the ability to coach teams and manage multiple priorities.