Job Purpose:
Deliver the Health underwriting mandate through effective risk selection, pricing discipline, and portfolio management within assigned authority limits, ensuring achievement of loss ratio targets, portfolio quality, and alignment to the company’s underwriting philosophy.

Key responsibilities:

• Execute underwriting activities for the health insurance portfolio, ensuring sound risk selection, quality of business, and achievement of profitability and loss ratio targets.
• Evaluate Health risks and make underwriting decisions (accept, decline, or modify) within delegated authority, applying strong technical judgment and adherence to underwriting guidelines.
• Determine and apply appropriate pricing, terms, and conditions based on risk exposure, ensuring balance between competitiveness and underwriting discipline.
• Ensure full compliance with underwriting standards, credit policy, and delegated authority limits, maintaining strong risk governance and audit readiness.
• Monitor assigned risks and follow through on risk survey recommendations, ensuring timely implementation and continuous improvement in portfolio quality.
• Collaborate with business development, claims, and other internal teams to support business acquisition, retention, and resolution of underwriting-related matters.
• Track and analyse underwriting performance trends, escalating emerging risks or underperformance issues and supporting corrective actions.
• Maintain accurate underwriting records and ensure proper documentation of client information in line with company and regulatory requirements.
• Operate strictly within the approved Delegated Authority Matrix and escalate decisions outside assigned limits.
• Contribute to continuous improvement of underwriting processes, turnaround times, and service delivery standards.
• Undertake any other duties as assigned in support of departmental objectives.

Knowledge, experience and qualifications required:

• Bachelor’s degree in Actuarial Science or insurance option preferred.
• Professional qualification in Insurance (ACII or IIK).
• 6-8 years’ experience in Health Underwriting two of which should be in a supervisory position.
• A keen eye for innovation in the insurance and financial services space preferred.
• Strong reporting and data management skills.
• Experience with data visualization tools (e.g., Power BI, Tableau or similar) will be an added advantage.