JOB DESCRIPTION

1. Risk Assessment & Analysis
● Evaluate Group Metrics: Analyze group census data, age demographics, and historical claims experience to identify and quantify potential risk exposures.
● Predictive Modeling: Utilize statistical data to forecast future utilization trends and claim behaviors for prospective and renewing groups.

2. Quote Preparation & Structuring
● Collaborative Pricing: Design and construct tailored benefit quotes based on specific requirements communicated by the Sales Single Point of Contact (SPOC).
● Financial Alignment: Ensure the pricing structure balances competitiveness in the market with the company's profitability goals.

3. Data Management & Administration
● Underwriting Governance: Maintain precise and organized underwriting files.
● CRM Hygiene: Consistently log activities, quote versions, and risk decisions within the CRM system to ensure data integrity across departments.

4. Compliance
● Policy Adherence: Guarantee that all generated quotes strictly comply with internal underwriting guidelines and risk appetites.
● Efficiency: Manage workflow effectively to meet or exceed established Turnaround Times (TAT).

5. Stakeholder Communication
● Strategic Insights: Partner with the Sales SPOC by providing clear, data-driven insights into the group’s risk profile.
● Pricing Justification: Articulate the rationale behind specific pricing decisions and rate adjustments to support the sales team in client negotiations.





REQUIREMENTS :
● Option 1 (Experienced): Minimum 1 year of direct experience in Group Health Underwriting.
● Option 2 (Academic Background): B.Sc. in Actuarial Science (fresh graduates with a strong numerical foundation are welcome).
● Option 3 (Career Switch): Experienced medical claims processing professionals with solid technical knowledge who want to transition into underwriting.

TECHNICAL & COMPETENCY REQUIREMENTS
● Analytical Mindset: Exceptional ability to spot trends, anomalies, and details within complex data structures.
● Software Skills: High proficiency in MS Excel (v-lookups, pivot tables, data sorting) and MS Word.
● Core Skills: Strong team player, adaptable to changing priorities.

BENEFITS

A Collaborative & Seasoned Peer Network
● Expert Mentorship: Work alongside a diverse, high-performing team with a rich mix of experienced and innovative thinkers.
● Knowledge Sharing: Benefit from a collaborative environment where insights into complex risk assessments and underwriting strategies are shared freely.

Accelerated Career Development
● Fast-Tracked Growth: Engage in high-impact underwriting projects that challenge your analytical skills and expand your business acumen.
● Continuous Learning: Access a workplace dedicated to your professional evolution, offering the tools, feedback, and autonomy needed to advance your career at an accelerated pace.

📌 Junior Executive - Underwriting (Bengaluru)
🏢 Onsurity
📍 Bengaluru