Role & responsibilities

- Lead central strategy on Liability underwriting including growth priorities, risk frameworks, and emerging exposures.

- Define and update underwriting guidelines, risk appetite, pricing frameworks, and approval matrices for all Liability products.

- Drive uniform underwriting practices across regions to ensure discipline, consistency, and compliance.

- Underwrite and approve large, complex, and sensitive Liability risks within delegated authority.

- Review submissions from regional teams and provide expert recommendations for pricing, terms, clauses, and coverage structuring.

- Guide improvements in policy wordings, endorsements, exclusions, and manuscript clauses.

- Monitor the central Liability portfolio for loss ratios, rate adequacy, exposure patterns, industry concentration, and early warning indicators.

- Lead periodic portfolio reviews and provide insights to senior leadership on emerging trends, market dynamics, and corrective actions.

- Work with actuarial teams for pricing models, reserving approach, and product profitability analysis.

- Lead meetings with top brokers, strategic partners, and large corporate clients for technically heavy discussions or complex deal closures.





- Support regional underwriting and distribution teams on large renewals, escalations, or competitive negotiations.

- Work closely with claims leadership to review major liability claims, litigation risks, settlement trends, and lessons for underwriting refinement.

- Mentor regional liability underwriters and build deep technical capability across the underwriting network.

Ensure 100% adherence to IRDAI norms, internal audit standards, documentation requirements, and underwriting controls.

Preferred candidate profile

- 15-20 years of experience in Liability Underwriting or Specialty Lines underwriting.

- Solid experience in underwriting governance, portfolio management, and central decisionmaking.

- Proven track record of working with top brokers and major corporate clients in large markets like Mumbai.

- Deep technical expertise in liability and casualty underwriting, policy wording interpretation, and risk modelling.

- Strong negotiation skills with senior brokers and Csuite clients.

- Excellent analytical ability with focus on portfolio discipline and profitability.

- Ability to coach teams, manage complex risks, and lead national underwriting strategy.

📌 Vice President - Liability Underwriter (Mumbai)
🏢 HDFC ERGO
📍 Mumbai