Senior Commercial Insurance Underwriter

1 week ago

Thāne, Maharashtra, India beBeeCommercial Full time
Job Overview

We are seeking an experienced professional to join our team as a Commercial Underwriting Manager. This role will be responsible for devising underwriting strategies and ensuring achievement of targeted loss ratios.

  • Liaise with regional underwriters to devise circle-level underwriting strategies, maintaining defined loss ratio targets for allocated commercial lines of business.
  • Interact with other stakeholders at the circle level, including sales teams, to understand objectives and provide strategic inputs on product mix, industry, and geography.
  • Analyze past trends and market dynamics to offer necessary insights to regional underwriting managers.
  • Ensure timely corrective and pricing measures to create, enhance, and maintain sustainable profitability objectives.
Key Responsibilities
  • Underwrite and approve quotes based on authority, adhering to risk selection criteria and adequate pricing to achieve GWP targets and prevent claims leakage.
  • Monitor team performance to track achievements and identify anomalies, ensuring adherence to regulatory and internal underwriting guidelines.
  • Coordinate with Sales, Intermediaries, and Clients to evaluate risk exposure and viability with suitable terms and pricing.
  • Review claims reports and business data regularly to track achievement of topline and bottomline targets.
Stakeholder Management
  • Meet intermediaries (Agents, Brokers, Banks) to understand business potential, communicate the company's underwriting philosophy, and educate them about targeted opportunities based on products.
  • Periodically interact with intermediaries to discuss performance and suggest improvement strategies.
  • Follow up with customers to evaluate their insurance programs and suggest improvements in product coverage and exclusions, ensuring high customer satisfaction through transparency.
Requirements
  • Insurance qualification equivalent to AIII and/or above.
  • Intimate knowledge of the operational environment at Branch, Region, and HO levels.
  • Strong communication and organizational skills.
  • Previous supervisory and management experience.

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