We are seeking an experienced Underwriting SME (Life & Health) to bridge insurance underwriting expertise with AI-driven decision-making solutions. The ideal candidate will possess robust knowledge of Life & Health underwriting and work closely with AI, engineering, and business teams to translate underwriting guidelines into structured AI workflows and prompt-based decision logic.

The role involves designing AI-powered underwriting journeys, ensuring regulatory compliance, validating AI outputs, and driving continuous improvement of underwriting solutions while maintaining governance, transparency, and scalability across multiple markets.

Location

PAN India

Key Responsibilities

- Translate Life & Health underwriting guidelines, reinsurance rules, and decision frameworks into AI prompts and structured workflows.
- Validate AI-generated underwriting decisions to ensure alignment with underwriting philosophy, risk appetite, and regulatory requirements.
- Collaborate with AI engineers to design end-to-end underwriting decision flows and human-in-the-loop processes.
- Define escalation mechanisms for complex or low-confidence underwriting cases.
- Ensure AI solutions comply with internal governance, audit,



regulatory, and ethical AI standards.
- Develop reusable underwriting logic that can be localized for multiple markets.
- Conduct prompt testing, scenario validation, A/B testing, and performance analysis to improve AI accuracy.
- Monitor AI outputs for bias, drift, and compliance while maintaining version control and documentation.
- Partner with underwriting, product, and technology teams to successfully deploy AI-enabled underwriting solutions.

Required Skills

- Life & Health Underwriting
- Medical Underwriting
- Financial Underwriting
- Reinsurance (RI)
- Generative AI & Prompt Engineering
- AI Governance & Compliance

Preferred Qualifications

- 8+ years of experience in Life & Health Insurance Underwriting.
- Strong understanding of underwriting manuals, decision rules, and reinsurance guidelines.
- Exposure to Generative AI, Prompt Engineering, or AI-assisted underwriting solutions.
- Knowledge of insurance regulations, governance, auditability, and ethical AI principles.
- Excellent stakeholder management, analytical, and problem-solving skills.

📌 Underwriting SME - Life and Health (Bengaluru)
🏢 Radiant Systems India Private
📍 Bengaluru