Head of Insurance Operations

Position:Insurance Operations & Compliance Manager & Founder Mentor Industry: Insurance (Health / Motor / Life / General – flexible) Experience: 5–7 Years Engagement: Full-time Location: India (Remote) Start Date: ImmediateKey Responsibilities Set up and manage day-to-dayinsurance operations(policy issuance, endorsements, renewals, cancellations, claims coordination, etc.) Draft, review, and maintainpolicy wordings, proposal forms, schedules, SLAs, broker agreements, and basic reinsurance contracts Build and manage the policy administration process– from proposal to policy issuance, documentation, and post-issuance servicing Coordinate withinsurers, reinsurers, brokers, TPAs, aggregators, corporate clients, and individual clients Design and implement SOPs, workflows, and basic KPIsfor enquiries, quotations, underwriting referrals, policy issuance, endorsements, claims handling, and collections Ensureregulatory compliancewith local insurance regulations (e.g. IRDAI / local regulator), including documentation standards, onboarding KYC, and reporting requirements Implement basicinternal controlsto avoid mis-selling, unauthorized discounts, policy backdating, and manipulation of premiums or claims Support / guide inproduct development : features, exclusions, premium structure, and documentation for new products or schemes Set up simpleMI / reporting dashboardsfor: Policies issued, endorsements, renewals, and lapses Premium written vs. earned, claims ratio, and basic profitability per product/client Collections, outstanding premiums, and credit control Coordinate withaccounts/financefor premium collections, reconciliations with insurers, commissions, and TDS/GST/VAT-related aspects Assist invendor and partner onboarding(TPAs, brokers, agents, tech vendors) with proper documentation and checks Supportfuture team building(policy admin, claims desk, customer support, maybe sales support) as the business growsRequired Expertise 5–7 years of experience ininsurance operations / underwriting / policy administration / claimswith an insurer, broker, TPA, or large corporate with in-house insurance desk Strong working knowledge of at least one or more lines: Health insurance(retail/group) Motor insurance(retail/fleet) General insurance(property, liability, marine, etc.) Life insurance exposure is a plus but not mandatory Solid understanding of: Policy structures, coverage, exclusions, deductibles, co-pay, sub-limits, waiting periods Underwriting guidelinesand when to seek approvals/referrals Claims processes– FNOL, documentation, assessment, repudiation, approvals, and TATs Local insurance regulationsand basic compliance requirements Experience inend-to-end case handlingfrom proposal/quote to policy issuance and claims coordination Prior exposure tocorporate/group policiesandinternational or cross-border clientsis a plusFounder Mentoring Responsibilities Train and mentor the founder on: Basic insurance fundamentals– how products are structured and what really matters in coverage Pricing logic and premium structures– risk-based pricing, loadings, discounts, NCB, experience rating (for group) Howclaims ratios, loss ratios, and combined ratiosaffect pricing and negotiations with insurers How fraud, leakage, and misusecan happen in insurance: Fake claims / inflated claims Misuse of group policies Unauthorized discounts / off-the-book deals Manipulation of backdating, endorsements, or coverage details Designingcontrols to prevent fraud, margin leakage, and mis-selling How to read and compare policy wordingsand find hidden gaps or exclusions Help the founder toshadow calls and emailswith insurers, brokers, and clients to understand the business practically⚙️Technical & Management Skills Comfortable usinginsurance core systems / broker portals / policy admin systems / CRM Strong MS Excel / Google Sheets skills for rate comparisons, premium calculations, and simple dashboards Ability to design simple but robust SOPs and checklistsfor: New policy issuance Endorsements and renewals Claims intake and documentation Compliance and documentation checks Good understanding ofcredit riskrelated to premiums, collection cycles, and insurer payment terms Stronganalytical mindsetfor product comparison, margin protection, and basic portfolio performance tracking Familiarity withcompliance, KYC/AML basics, and regulatory documentation standards✅Ideal Candidate Traits Operator + teacher mindset– can run operations independently while patiently explaining concepts to a non-insurance founder Comfortable letting the foundershadow calls, negotiations, and day-to-day operations Hands-on, detail-oriented, and comfortable working in a zero-structure, startup environment Transparent and ethical , with a strong focus on clean deals, documentation, and regulatory compliance Strong ownership mentality – treats the business as their own and is willing tobuild the foundation for future scale