Senior Expert, Underwriting (Insurance Project)
Finance / Accounting Finance Insurance
Mức lương
Khu vực
Tổng quan về công việc và trách nhiệm
Key Accountabilities (1) Underwriting Strategy & Guideline Development • Develop and implement underwriting guidelines that align with business strategy, regulatory requirements, and market trends. • Work closely with reinsurance companies to refine underwriting principles and establish risk selection criteria. • Collaborate with product development teams to design innovative underwriting solutions for new life insurance products. Collaboration with Techcombank & Distribution Teams • Engage with Techcombank’s distribution teams to understand customer risk profiles, sales needs, and underwriting support requirements. • Analyze customer financial and health risk data from the bank to tailor underwriting criteria to different customer segments. • Ensure underwriting processes align with the needs of bancassurance and agency distribution models. IT & Data Integration for Underwriting Innovation • Define business requirements for IT teams to develop underwriting platforms, automation tools, and AI-driven risk assessment models. • Oversee the integration of customer data between Techcombank and the insurance company to enable pre-approved underwriting and seamless customer onboarding. • Implement automated underwriting (AUW) systems to enhance efficiency and reduce manual underwriting efforts. Key Accountabilities (2) Collaboration with Third-Party Medical Service Providers • Work with panel doctors, clinics, and third-party medical service providers to establish efficient medical underwriting procedures. • Develop partnerships with external underwriting engines and digital health platforms to expand underwriting capabilities. • Ensure that medical examination processes are seamless, reducing friction for customers while maintaining high-quality risk assessment. Process Optimization & Customer Experience Enhancement • Develop SOPs and workflows for underwriting operations, ensuring best practices are in place from the company's inception. • Identify opportunities to streamline underwriting processes and improve turnaround times. • Ensure a balance between risk management and an enhanced customer experience by minimizing delays and unnecessary medical requirements. Performance Monitoring & Continuous Improvement • Define and track key underwriting performance indicators (KPIs), such as approval rates, processing times, and risk quality. • Implement underwriting audit programs to ensure compliance with company policies and regulatory requirements. • Continuously analyze underwriting outcomes and recommend improvements based on data insights.
Kỹ năng và kinh nghiệm tối thiểu
Education • Bachelor's or Master’s degree in Business Administration, Finance, Insurance, Actuarial Science, or a related field. • Advanced certifications such as Fellow, Life Management Institute (FLMI), Fellow, Academy of Life Underwriting (FALU), or Chartered Life Underwriter (CLU) are preferred. Experience • Minimum of 7-10 years of life insurance underwriting experience, with strong expertise in medical and financial underwriting. • Experience in setting up underwriting processes, defining guidelines, and implementing automated underwriting models. • Proven ability to work with reinsurance companies to develop underwriting policies and obtain facultative support. • Experience collaborating with IT teams to implement digital underwriting tools and AI-based risk assessment models. • Exposure to bancassurance and an understanding of financial risk profiles within banking ecosystems.
Tại sao ứng viên nên làm ở đây
Skills and Competencies: - Strong strategic thinking and analytical skills. - Excellent communication and interpersonal abilities. - Proficiency in digital marketing platforms and tools. - Ability to manage multiple projects and deadlines in a fast-paced environment. - Creative mindset with attention to detail. - Familiarity with regulatory requirements and compliance in the insurance industry.
Ưu tiên có kỹ năng và kinh nghiệm
Skills & Competencies • Underwriting Strategy & Risk Assessment – Strong ability to develop underwriting principles that balance risk and business growth. • Regulatory & Compliance Knowledge – Deep understanding of Vietnam’s insurance regulations and their application in underwriting. • IT & Data Integration – Experience in defining business requirements for IT teams to build underwriting platforms and automation solutions. • Third-Party Collaboration – Strong negotiation and relationship management skills to work with reinsurance firms, medical service providers, and underwriting technology partners. • Process Optimization & SOP Development – Ability to design workflows and SOPs for efficient underwriting operations. • Data-Driven Decision Making – Expertise in utilizing financial and medical data to drive underwriting enhancements. • Stakeholder Management – Strong communication and leadership skills to work effectively with distribution teams, product development, and IT teams.
Ứng tuyển vào công việc này
Công việc đã hoàn thành (13)
