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.
- Skilled 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.

📌 Deputy Manager - Human Resources (India)
🏢 HDFC ERGO General Insurance
📍 India