Position: Data Modelling Specialist - Underwriting
Designation: Chief Manager
Department: Data Science
Reporting To: Vice President
Work Location: Corporate Office, Goregaon East, Mumbai

Objective of the Role

To develop, maintain, and enhance predictive data models that support underwriting decisions, improve risk assessment accuracy, automate underwriting processes, and strengthen portfolio quality. The role will leverage statistical modeling, machine learning, and advanced analytics to enable data-driven underwriting and risk management within the life insurance business.

Responsibility

• Design, develop and validate underwriting risk models using internal and external data sources
• Build predictive models for mortality, morbidity, fraud detection, early claims indicators, and customer risk segmentation




• Analyze underwriting portfolio trends and identify emerging risk patterns to support underwriting policy decisions
• Develop scorecards and risk-based underwriting frameworks to improve decision consistency and turnaround time
• Partner with Underwriting, Actuarial, Data Engineering, Technology, Claims, and Risk teams for model deployment and monitoring
• Monitor model performance, calibration, and governance requirements, including periodic validations and documentation
• Support automation and AI/ML initiatives for digital underwriting and straight-through-processing (STP) enhancement

📌 Data Modeling Speacialist (Mumbai)
🏢 Kotak Life
📍 Mumbai