JOB PURPOSE
Responsible for evaluating highly complex and high- risk cases, shaping underwriting policies and risk classification standards, mentoring senior underwriters, and collaborating with internal departments and external partners—including reinsurers and medical institutions—to ensure accurate, compliant, and efficient underwriting operations that enhance business performance, uphold professional standards, and support sustainable growth.
KEY ACCOUNTABILITIES
Key Accountabilities (1)
Underwriting insurance applications & professional consulting
- Provide expert consultation to management and senior underwriters on cases exceeding standard authority or involving legal/ethical complexities.
- Participate in resolving escalated complaints or disputes related to underwriting decisions.
- Evaluate life insurance applications with exceptional risk factors such as rare medical conditions, ultra- high financial coverage, hazardous occupations, or specialized products.
- Recommend strategic adjustments to underwriting policies, risk classification frameworks, and contract issuance conditions.
- Act as the primary liaison with international reinsurers for extraordinary cases.
Key Accountabilities (2)
Process Development & Technical Innovation
- Lead the development, standardization, and continuous improvement of underwriting guidelines, risk classification tables, and decision- making protocols.
- Collaborate with product, legal, and IT teams to ensure underwriting processes align with new product launches and regulatory updates.
- Contribute to strategic projects such as digital transformation, system upgrades, and internal quality audits.
- Propose enhancements to underwriting systems, decision- support tools, and performance dashboards.
Key Accountabilities (3)
Training & Capability Building
- Assist in building competency frameworks and performance evaluation standards for the underwriting function.
- Organize internal workshops, knowledge- sharing sessions, and periodic competency assessments.
- Design and deliver advanced training programs for underwriting team members, focusing on complex case analysis, professional communication, and system utilization.
- Serve as a mentor for high- potential underwriters, supporting career development and succession planning.
