Key Roles &Responsibilities;

- Leadcentralstrategy 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.
- Guideimprovements in policy wordings, endorsements, exclusions, and manuscript clauses.
- Monitor thecentralLiability 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, reservingapproach, 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 withclaimsleadership 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.

Key Requirements – Education & Certificates
- Bachelor’s/Master’s degree in Finance, Law, Risk Management, Engineering, or Business Administration.
- Professional certifications such asACII, CPCU, III Fellowship, orLiability?specificcredentials preferred.
- Legal background (LLB) is a strong advantage for casualty and professional indemnity underwriting.

Key Requirements - Experience &Skills;
- 15-20 yearsof experience in Liability Underwriting or Specialty Lines underwriting.
- Solid experience in underwriting governance, portfolio management, and centraldecision?making.
- Proventrack recordof working with top brokers and major corporate clients in large markets like Mumbai.
- Deep technicalexpertisein liability and casualty underwriting, policy wording interpretation, and risk modelling.
- Strong negotiation skills with senior brokers andC?suiteclients.
- Excellent analytical ability withfocuson portfolio discipline and profitability.
- Ability to coach teams, manage complex risks, and lead national underwriting strategy.

📌 Vice President - Underwriting (Mumbai)
🏢 HDFC ERGO General Insurance
📍 Mumbai