Key Responsibilities
Risk Assessment
Evaluate property and engineering risks based on risk inspection reports, technical details, and underwriting submissions.
Review engineering drawings, project plans, specifications, and schedules to identify exposures and mitigation measures.
Assess frequency and severity of risks arising from natural catastrophes, mechanical failures, fire hazards, and operational factors.
Underwriting
Underwrite property and engineering proposals in line with company underwriting philosophy and authority limits.
Determine appropriate coverage terms, conditions, deductibles, and pricing based on risk quality and market dynamics.
Maintain underwriting discipline while balancing growth and profitability objectives.
Market Interaction
Liaise with brokers, intermediaries, and clients to obtain necessary information and clarify underwriting requirements.
Explain coverage structures, policy terms, and underwriting decisions clearly to stakeholders.
Negotiate terms and conditions within approved underwriting guidelines.




Policy Management
Ensure timely issuance of policies, endorsements, renewals, and related documentation.
Monitor portfolio performance to ensure profitability and compliance with internal standards.
Review and update policy wordings and documentation as required.
Market Research & Development
Stay updated on market trends, regulatory changes, and developments impacting property and engineering insurance.
Support development of underwriting solutions for emerging risks and current business prospects.
Coordinate with sales and marketing teams to support portfolio growth.
Collaboration & Reporting
Work closely with claims, risk engineering, and other internal teams for effective risk management.
Prepare underwriting summaries, MIS, and performance reports for senior management.
Participate in training and continuous development initiatives to enhance technical underwriting skills.

📌 Senior Manager Mumbai
🏢 HDFC ERGO General Insurance
📍 Mumbai