Senior Analyst/Specialist/Manager – SMART Underwriting

About Futuristic Underwriters Pvt. Ltd.

We are a business transformation center dedicated to achieving efficient underwriting operations, utilizing AI/GENAI capabilities, and further advancing its digital transformation and innovation. We will advance Futuristic Group's global strategy through pioneering work in streamlined underwriting processes, AI, telematics, and analytics, providing critical business support functions across underwriting and claims. Our focus is to set up a hub for incubation—developing next-generation insurance and technology solutions that will shape the future.

Job Description:
Senior Analyst/Specialist/Manager – SMART Underwriting (Casualty)

The Position

Join our India SMART Underwriting team and be part of the engine driving global underwriting excellence. As a member of our Casualty Data & Underwriting function, you'll work with U.S. underwriters to evaluate complex liability portfolios, perform exposure and clash analysis, and support data-driven decision-making across the insurance value chain. We invite Underwriting Analysts, Specialists, and Managers with 2–12 years of experience to apply in casualty or liability underwriting to apply.

(Responsibilities expand with experience and seniority)

Underwriting Support & Data Processing

• Review new business and renewal submissions for accuracy and completeness.
• Capture and validate exposure data within underwriting and pricing systems.
• Analyze key risk attributes — class, operations, jurisdiction, loss history, and contracts.
• Assist in exposure capture, Insurance-to-Value (ITV) validation, and loss data analysis.
• Prepare underwriting files, quotes, binders, and policy issuance instructions.

Technical & Analytical Excellence

• Conduct clash and accumulation analysis across casualty, umbrella, and specialty lines.
• Evaluate loss pick assumptions, attachment structures, and technical pricing adequacy.
• Apply exposure modeling tools and contribute to pricing calibration across portfolios.
• Monitor underwriting metrics (premium adequacy, hit ratios, declinations, loss ratios).

Portfolio & Strategic Management (for senior professionals)

• Perform portfolio-level analysis across primary and excess casualty layers.
• Develop and maintain dashboards and MI reports for performance tracking.
• Report accumulation and cross-line clash (e.g., professional, cyber, environmental).
• Ensure policy wordings align with underwriting intent and regulatory standards.

Leadership & Collaboration

• Mentor and guide junior underwriters on technical underwriting practices.
• Partner with brokers and U.S. underwriters for seamless submissions and issue resolution.
• Support automation and process excellence initiatives that enhance global underwriting efficiency.

Requirements: Skills & Competencies

(Depth and leadership expectations vary by experience level)

Core Expertise:

• 2–12 years of experience in casualty underwriting, pricing, or reinsurance.
• Understanding of General Liability, Auto Liability, Umbrella, and Excess lines.
• Familiarity with exposure modeling, accumulation tools, and casualty pricing systems.

Analytical & Technical Skills:

• Strong Excel and data analysis capability.
• Working knowledge of clash modeling and exposure capture methodologies.
• For senior levels — ability to shape pricing, portfolio management, and aggregation frameworks.

Professional Attributes:

• Detail-oriented with strong communication and problem-solving skills.
• Collaborative mindset with ability to coordinate global underwriting workflows.
• Continuous learner with curiosity for liability risk dynamics and innovation in underwriting.

Why You'll Love Working Here - What's In It For You

• Be part of a global casualty underwriting hub supporting U.S. and international portfolios.
• Gain hands-on exposure to liability pricing, clash modeling, and portfolio management.
• Work alongside senior underwriters and learn global best practices.
• Contribute to the digital transformation of underwriting through innovation and automation.
• Build your career path from analyst to leader within an innovation-first culture.

Apply at and become part of our journey to redefine underwriting through intelligence and innovation.