Underwriting & Risk Assessment
Review and underwrite digital Health and Personal Accident proposals as per defined underwriting guidelines and authority levels.
Oversee the team conducting tele?medical interviews, medical history collection, and risk assessment.
Evaluate health disclosures, medical investigations, treatment details, and risk parameters for NSTP proposals.
Ensure accurate and consistent application of underwriting principles across all cases.
Provide system approvals for proposals, policies, and endorsements within delegated authority.

Team Leadership & Governance
Lead, coach, and develop a small team of medical underwriters and tele?medical specialists.
Allocate workload, monitor performance, and ensure adherence to TATs and quality benchmarks.
Conduct regular feedback sessions and support capability building within the team.
Ensure adherence to underwriting SOPs, internal guidelines, and regulatory norms for filed products.

Operational Excellence
Drive processing efficiency for proposals sourced through the Digital Business & Direct channels.
Monitor proposal inflow, TAT adherence, pendency management, and month?end throughput.




Strengthen documentation quality and maintain high levels of process discipline.
Coordinate with operations, sales, product, and IT teams to resolve underwriting?related issues.

Quality, Compliance & Audit Readiness
Ensure compliance with IRDAI regulations, product guidelines, and internal audit requirements.
Conduct periodic audits of team decisions to maintain high accuracy and reduce error rates.
Identify process gaps and drive corrective and preventive actions.

Reporting & Stakeholder Management
Prepare and share weekly and monthly underwriting MIS with leadership.
Support the business team by providing underwriting insights, trend analysis, and case-specific guidance.
Work closely with Digital Business Group to optimize underwriting flows and improve customer experience.

Process Improvement & Digital Enablement
Support development and refinement of tele?medical scripts, decision rules, and underwriting workflows.
Contribute to automation initiatives such as rule engines, tele?medical tools, and risk decisioning systems.
Recommend enhancements that improve accuracy, speed, and consistency of medical underwriting decisions.

📌 Manager Maharashtra
🏢 HDFC ERGO General Insurance
📍 Maharashtra