26/12 Akanksha Pillay
HR Associate at PyjamaHR

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Medical Underwriter - Risk Assessment (7-20 yrs)

Gurgaon/Gurugram Job Code: 23686

Medical Underwriter :

Expert Staffing Solutions is seeking an experienced Medical Underwriter to join our dynamic team. We offer a supportive and inclusive culture, along with industry-leading training and continuous education programs. The role provides a hybrid working environment, allowing for flexibility and work-life balance.

Roles and Responsibilities :

- Review and analyze medical, personal, and financial information to evaluate eligibility and risk for applications up to $25 million.

- Play a key role in risk assessment, decision-making, and communication for each application.

- Complete risk assessments on larger and more complex cases with higher premium and face amounts, with the ability to decline unacceptable risks.

- Complete classification for life and critical illness, making effective use of full signing authority.

- Apply holistic underwriting expertise in all areas, including medical, financial, and lifestyle factors to make sound underwriting decisions.

- Perform referrals with the aim of mentoring senior underwriters.

- Provide full explanations for all decisions and inquiries.

- Meet with advisors and firms, and deliver presentations that support underwriting philosophies.

- Take a leadership role in identifying areas of challenge and bringing forward recommendations for solutions.

- Be client and results-focused, using a proactive service orientation.

Candidate Qualifications :

- Client-focused with a passion for working towards a common goal on a high-performing team.

- Comprehensive risk analysis approach to medical and financial underwriting.

- 7 to 10 years of underwriting experience with technical underwriting skills.

- AALU designation and working towards the FALU designation.

- Visible and positive leadership that actively supports change.

- Exceptional reinsurance negotiating skills and empathy in interactions.

- Demonstrated awareness of trends and changes in medicine.

- Initiative to bring forward recommendations to operations teams and development and governance, as needed.

- Ability to build partnerships with advisors and wholesalers.

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