Underwriting Rules Writer, Underwriting Strategies

3 months ago


Bengaluru Karnataka, India Ethos Life Full time

**About Ethos**

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes We've issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families

**About the role**

Are you passionate about building best in class underwriting technology? The role seeks an experienced professional with the ability to execute underwriting rules design through coding and authoring. Your primary focus will be on developing and refining underwriting rules that are pivotal to our state-of-the-art life insurance underwriting engine.

Additionally, you will contribute to the labeling of ground truth data, which is essential for our predictive underwriting models. Your work will have a direct impact on our customers, partners and our overall business, and you will play a key role in some of the exciting transformation projects that are underway.

**Duties and Responsibilities**:

- Co-author an automated underwriting rules ecosystem for the risk assessment process
- Responsible for maintaining and improving the underlying rules within the engine
- Maintain and update underwriting criteria that is systematically performed by the system for current products that are sold and/or administered through Ethos
- Continued review of evidence and synthesization of underwriting data from all sources
- Work with Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines
- Solidify protocols for rule and system enhancements
- Maintain appropriate documentation for underwriting criteria, guidelines and workflows
- Ability to prioritize system decisions based on business need, business case and ROI
- To serve as a technical liaison between the Underwriting Strategy team and the IT team
- Serve as an underwriting rules expert for the Underwriting Strategy team
- Responsible for pre
- and post
- prod testing of underwriting updates, rules, and data sources
- Foster and encourage an environment of psychological safety
- Participate in the labeling of ground truth data, enhancing the accuracy and predictive power of our underwriting models.

**Qualifications and Skills**:

- 3-5+ years of life new business underwriting and case management experience
- Extensive experience with underwriting rules engines and rules management
- Comfortable working in an agile environment and leveraging systems such as JIRA
- An understanding of data and models in the underwriting process
- The ability to communicate results and needs among multiple parties
- A record of identifying opportunities and quickly delivering solutions
- Desire to be a team player in a dynamic environment
- An obsession with the customer and ability to challenge the status quo
- Experience in ownership of end-to-end unit testing process
- Preferred Qualifications:

- SQL/Python
- /Familiarity with data labeling processes for machine learning models is a bonus.
- #LI-DG1_
- #_LI-Hybrid_

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.



  • Bengaluru, Karnataka, India Ethos Life Full time

    **About Ethos** Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. We leverage deep technology and data science to streamline the life insurance process, making it more accessible...

  • Underwriter

    4 weeks ago


    Bengaluru, Karnataka, India ENHANCE PLUS CONSULTANT Full time

    Minimum 1 years of experience in mortgage underwriting or mortgage quality assurance, with strong knowledge of loan products - In-depth understanding of mortgage underwriting regulations, policies, and standards. - Ability to analyze underwriting trends and patterns, providing actionable recommendations to improve quality. - Excellent verbal and written...

  • Underwriter

    3 months ago


    Bengaluru, Karnataka, India VENPA GLOBAL TECHNOLOGIES PRIVATE LIMITED Full time

    Experience : 2-5 Years Notice Period : Immediate Joiners Only Night Shift - Work From Office Relevant Experience should be 2 years in Underwriting. **Mandatory skills**: Underwriting (Income, Credit) of US Mortgage process End to end underwriting 4C’s (Credit, Capacity, Capital, Collaterals) Asset Doc Analysis, Credit Analysis, Income Analysis,...

  • Underwriter

    7 months ago


    Bengaluru, Karnataka, India Flatworld group Full time

    **Underwriter** Our company is looking for a underwriter to join our team. **Responsibilities**: This role requires a comprehensive understanding of risk analysis, the ability to analyze data, and make informed decisions. By effectively managing risk, the Insurance Underwriter plays a crucial role in maintaining the financial stability and profitability...

  • Underwriter

    4 weeks ago


    Karnataka, India Mphasis Full time

    About the Company - Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and...

  • Underwriter

    2 months ago


    Bengaluru, Karnataka, India Oak Leaf HR LLP Full time

    **Underwriter and Sr Underwriter** **Experience : 3+ years** Job Location: Mumbai/Chennai/ Bangalore/ Hyderabad Key skills: Underwriting, US mortgage Well versed with **FNMA. FHLMC,** knowledge of **GNMA **and investor guidelines is an additional benefit. Should have good analytical and problem-solving skills. Evaluate complete loan documents and...

  • Mortgage Underwriter

    3 weeks ago


    Bengaluru, Karnataka, India ENHANCE PLUS CONSULTANT Full time

    Job Title: Underwriter Location: Bangalore **Requirements**: 1. 1+ years of underwriting experience in the US mortgage or financial services industry. 2. Strong knowledge of underwriting guidelines, regulations, and industry standards. 3. Evaluate borrower's income, employment, and credit history to assess risk. **Note: Fresh MBA graduate can also...

  • Live Underwriter

    2 months ago


    Bengaluru, Karnataka, India VENPA GLOBAL TECHNOLOGIES PRIVATE LIMITED Full time

    Experience : 3+ Years Notice : Immediate Joiners Only Must have Experience in Live Underwriting. **Job Summary**: **Key Responsibilities**: - Evaluate risk factors and determine appropriate coverage and pricing. - Communicate underwriting decisions clearly to clients and agents. - Collaborate with the sales and customer service teams to resolve any...

  • Underwriter

    7 months ago


    Bengaluru, India staffhire Full time

    **Job Overview**: The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. **Key Required Skills**: - Excellent at Income Calculation and Debt-to-Income (DTI) Ratio Calculation. - Expertise in...

  • Us Underwriter

    1 month ago


    Bengaluru, Karnataka, India LitSpark Solutions Full time

    **Responsibilities**: - Manage end-to-end underwriting processes, primarily focusing on conventional loans with various types of wages. - Utilize comprehensive knowledge of FHA and VA guidelines (preferred but not required). - Accurately calculate different types of income for loan underwriting. - Collaborate effectively with team members and other...

  • Mortgage Underwriter

    4 weeks ago


    Bengaluru, Karnataka, India ENHANCE PLUS CONSULTANT Full time

    Minimum 1 years of experience in mortgage underwriting or mortgage quality assurance, with strong knowledge of loan products - In-depth understanding of mortgage underwriting regulations, policies, and standards. - Ability to analyze underwriting trends and patterns, providing actionable recommendations to improve quality. - Excellent verbal and written...

  • Mortgage Underwriter

    7 months ago


    Bengaluru, Karnataka, India SAGCLAY Full time

    **MORTGAGE UNDERWRITER** **Exp - 4 yrs** **Loc - Bangalore, Mumbai** **ESSENTIAL DUTIES** - Work with Sales, Transition and Operations team while onboarding new clients. - Create process documentation like standard operating procedure, checklist - Perform Quality audit per business requirements. - Independently analyse loan files to ensure adherence to:...

  • Mortgage Underwriter

    7 months ago


    Bengaluru, Karnataka, India SAGCLAY Full time

    **MORTGAGE UNDERWRITER** **Exp - 4 yrs** **Loc - Bangalore, Mumbai** **ESSENTIAL DUTIES** - Work with Sales, Transition and Operations team while onboarding new clients. - Create process documentation like standard operating procedure, checklist - Perform Quality audit per business requirements. - Independently analyse loan files to ensure adherence to:...

  • Mphasis | Underwriter

    4 weeks ago


    karnataka, India Mphasis Full time

    About the Company - Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and...


  • Bengaluru, Karnataka, India ENHANCE PLUS CONSULTANT Full time

    Conventional, FHA, VA, and USDA loan underwriting - Manual underwriting and non-QM loan products - Mortgage underwriting software, including Encompass and LoanSphere - Excellent analytical, problem-solving, and communication skills - Strong attention to detail and ability to meet productivity standards - Trained and mentored junior underwriters on...

  • Insurance Underwriter

    1 month ago


    Bengaluru, Karnataka, India Disha Capital Insurance Brokers Full time

    **Underwriter/Property - Fire Insurance** - As an **Underwriting - Commercial Lines**, you will assess and evaluate risks related to property fire insurance, determining appropriate coverage, pricing, and terms in line with industry standards. - **Roles & Responsibilities**: - Review fire insurance policies and property details (e.g., structure,...

  • Mortgage Underwriter

    1 month ago


    Bengaluru, Karnataka, India VIBGYOR MANAGEMENT CONSULTANT Full time

    Underwriter ( US Mortgage ) International process Graveyard shift Need 1 year experience as Underwriter Location: Bangalore Australian process Pay: From ₹800,000.00 per year Schedule: - Night shift - US shift Supplemental Pay: - Performance bonus - Quarterly bonus **Experience**: - total work: 1 year (preferred) Work Location: In person **Speak...

  • Motor Underwriter

    1 month ago


    Bengaluru, Karnataka, India Disha Capital Insurance Brokers Full time

    **Underwriter - Motor Insurance** - **Job Summary**: As a **Motor Insurance Underwriter**, you will evaluate and assess risks for motor insurance policies, make decisions on coverage terms, and ensure compliance with company guidelines and industry standards. - **Key Responsibilities**: - Assess risks related to vehicles and drivers. - Analyze data to make...


  • Bengaluru, Karnataka, India Meraki training solutions Full time

    **Job Designation**:US Mortgage Underwriter **Experience**: 4-5 years **Location**: Bangalore Walkin drive on 24th Jan **Work Timings**: Remote (Full Time), Work from Home **Contact**: +91 7411978909 **Skill Set**: 4C's framework, Live Underwriting, Income Calculation, Debt-to-Income (DTI) Ratio Calculation, Underwriting **Joining**: Immediate...


  • Bengaluru, India MIC Global Full time

    **Location**: Bangalore, India Department: Underwriting Employment Type: Permanent Minimum Experience: Experienced **About Us**: Building a global insurance safety net that is simple, easy to understand, and accessible to all. MIC Global (MIC) is a full stack technology focused insurance company. MIC has brought together sales, distribution, product and...