underwriting operations manager

Vistas Global

Purpose of the RoleThe Underwriting Team Leader plays a pivotal role in steering the underwriting team towards achieving the company's strategic objectives in the insurance domain, encompassing life, accident, disability, and absence management sectors. This position requires a dynamic leader who combines deep industry knowledge with exceptional team management skills to enhance the effectiveness and efficiency of underwriting processes.KEY ACCOUNTABILITIES:Policies, Systems, Processes &amp; Procedures<ul><li>Oversee Compliance and Efficiency: Ensure the underwriting team adheres to all relevant policies, processes, standard operating procedures, and instructions, promoting a culture of compliance and operational excellence. Implement continuous improvement strategies to enhance efficiency and effectiveness in work processes.</li></ul>Filing Systems<ul><li>Maintain and Enhance Filing Systems: Supervise the management of client correspondence and documentation, ensuring systems are efficient, secure, and accessible. Evaluate and introduce enhancements to the filing systems to support swift and accurate retrieval of information.</li></ul>Post underwriting administration<ul><li>Streamline Post-Underwriting Processes: Supervise the post-underwriting clearance and approval processes, ensuring seamless communication and documentation flow to customers/clients. Oversee the preparation and distribution of agreements/life insurance certificates, enhancing customer satisfaction.</li></ul>Relationship Management<ul><li>Lead Customer Relationship Strategy: Spearhead initiatives to strengthen relationships with customers, fostering loyalty and satisfaction. Provide leadership in handling complex queries and escalate issues as necessary, ensuring customers receive timely and accurate responses.</li></ul>Enrolment<ul><li>Optimize Enrolment Processes: Direct the optimization of enrolment processes, including data entry, upload, card printing, and dispatch within agreed timeframes. Lead cross-functional coordination to resolve issues and ensure smooth operations across departments and with external partners.</li></ul>Coordination with External Entities<ul><li>Enhance External Coordination: Act as the primary point of contact for insurance companies, vendors, and other external partners. Ensure timely receipt of policy copies, cards, endorsements, and manage any grievances arising from customer care or corporate coordinators effectively.</li></ul>Statements and Reports<ul><li>Ensure effective communication and collaboration among all stakeholders during implementation</li><li>Assist in the preparation of timely and accurate underwriting departmental statements and reports to meet Al Koot and underwriting department requirements, policies and standards.</li></ul>SKILLS &amp; COMPETENCIES:<ul><li>Communication skills</li><li>Administration skills</li><li>Negotiation Skills</li><li>Time management</li><li>Computer skills</li></ul>Job Type: Full-timePay: QAR10,000.00 - QAR12,000.00 per monthApplication Question(s):<ul><li>Do you agree with the Salary Bracket provided (10,000 - 12,000 QAR)?</li></ul>Experience:<ul><li>Health Insurance: 3 years (Required)</li><li>Team Leader: 2 years (Required)</li></ul>

Medical & Life Underwriting Team Leader

Amana Cooperative Insurance

<div>
 
 
 JOB SUMMARY:
 
 
 
 
 
 
 As the
 
 SME Medical Underwriting Manager
 
 , you will be responsible for managing the financial performance, pricing strategy, and profitability of our SME medical insurance portfolio. You&rsquo;ll ensure compliance with local regulations, provide market insights, and collaborate across teams to deliver competitive and sustainable solutions.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 
 
 
 <ul>
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 Develop and execute annual pricing strategies and renewal plans for the SME medical portfolio.
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 Conduct detailed portfolio profitability analysis (Loss Ratio, Claims Incidence, Cost per Claim).
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 Lead pricing inputs for annual budgets and forecasts.
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 Build and validate data-driven pricing models incorporating market and medical trends.
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 Ensure compliance with Saudi Council for Health Insurance (CHI) regulations and maintain complete documentation.
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 Partner with Sales, Product Development, and Finance teams to support growth and financial accuracy.
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 Mentor and guide junior underwriters and pricing analysts.
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 Monitor competitor activity and provide strategic recommendations to enhance profitability and competitiveness.
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 </ul>
 
 
 
 
 
 Qualifications &amp; Certifications:
 
 
 
 
 
 <ul>
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 Bachelor&rsquo;s degree in Insurance, Business, or a related field.
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 10+ years overall experience, including 2&ndash;5 years in SME or Medical Insurance Pricing/Underwriting.
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 Professional certification in Insurance or Health Insurance is required.
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 Actuarial experience or qualification is highly preferred.
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 </ul>
 
 
 
 
 
 Skills &amp; Competencies:
 
 
 <ul>
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 Actuarial pricing expertise
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 Strong understanding of medical insurance and local regulations
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 Data analysis and financial modelling skills
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 Strategic thinker with strong analytical and problem-solving skills
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 Excellent communication and influencing abilities
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 Collaborative and business-oriented mindset
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 </ul>
</div>

SME Underwriting Manager

SDGs @ IsDB Group

Search by KeywordSearch by LocationShow More OptionsLoading...CompanyAllComplexAllDepartmentAllSelect How Often (in Days) To Receive An Alert:Select how often (in days) to receive an alert:Apply now  Title: Underwriter, Sovereign RisksRequisition ID: 5722OVERVIEWDepartment Underwriting Operations Department Country United Arab Emirates Location Dubai Job Grade P3 Contract Type Fixed Term (Local) Closing Date 08-Nov-2025JOB PURPOSEThe role holder is responsible for providing comprehensive support and assistance to the Associate Manager, Operations (Sovereign Risks) in all underwriting operations related to sovereign risk transactions, particularly in (but not limited to) the assigned region/ market/ client. He or she will analyze and screens proposals, perform all requisite risk analysis (financial and project due diligence), manage transaction applications, documentation of all approved policies and timely preparation of all requisite reports. This role is also responsible for presenting all information and data collated about the potential project/transaction/customer to the Technical Underwriting and Claims Committees in order to assist in making an informed decision. The role holder will provide inputs to policy administration database to ensure effective management of policy an safeguarding the Corporation s financial health.The role holder will also be responsible for the entire underwriting process, from enquiry stage to policy issuance and policy administration throughout the policy period. The role also entails direct interaction with senior government officials, financial institutions, and multilateral partners, ensuring that underwriting decisions align with ICIEC s strategic goal.KEY ACCOUNTABILITIESFeasibility AssessmentLiaises with the Associate Manager, Operations (Commercial Risks) to present insurance proposals to the Technical Underwriting Committee for approval and provides all the facts of the case, as well as his/her point of view to assist the Underwriting Committee to take an informed decision.Work closely with various departments such as Business Development, Risk Management, and Legal to ensure comprehensive project evaluation and policy formulation.Liaises with the Associate Manager, Operations (Sovereign Risks) to assess application/proposal forms submitted by potential customers, brokers, country &amp; local sales representatives and coordinates with potential customers, country &amp; local sales representatives to collate information required to evaluate the feasibility assessment of potential projects/transactions/customers for requested insurance coverage.Review applications for insurance coverage from sovereign entities, including state-owned enterprises, especially from (but not limited to) the assigned region/ market/ client.Liaises with the Associate Manager, Operations (Sovereign Risks) on assessing projects, sovereign buyers  and State-Owned Banks  creditworthiness by analyzing financial statements and considers all relevant risk factors (e.g. political risks, financial risks, payment experience, etc.) and suggests insurance pricing using various methodologies.Evaluate large-scale infrastructure, energy, and strategic trade finance transactions, ensuring robust risk assessment methodologies.Follow up on conducting meetings with investors, banks, and Government Officials particularly in (but not limited to) the assigned region/ market/ client as and when required to conduct thorough due diligence and prepare assessment reports.Provides all the necessary assistance Manager, Operations (Sovereign Risks) pertaining to sovereign risks underwriting in directing the policy portfolio by conducting requisite underwriting analysis to determine the risks associated with potential transactions and obligors.Assists in conducting in-depth financial analysis of the projects or state-owned entities through analysis of business plans, financial models, cash flow statements, assets, projected cash flows and other sources to determine the creditworthiness of the obligor involved in the transaction.Assists in conducting due diligence by conducting meetings with the obligor to understand various aspects of their business plan, assess value of securities, analyze governance structure of the business etc. to evaluate the potential risk in the transaction including risks associated with contract frustration and performance risk.Utilizes different sources of information to identify any legal issues associated with the project/transaction and involves the Legal Affairs Department in evaluation of default risk from a legal perspective.Assists in conducting meetings with local banks (especially the DIFC established banks), financial authorities and local financial institutions to ensure the due diligence about the transaction and buyer /bank is done thoroughly to minimize the risk of claims.

Title Underwriter, Sovereign Risks

Santander Holdings USA Inc

Dealer Commercial Services Underwriting ManagerCountry: United States of AmericaYour Journey Starts Here:Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.An exciting journey awaits, if you are interested in exploring the possibilities We Want to Talk to You!The Difference You Make: The Underwriting Manager is responsible for overseeing the underwriting of individual loans and assisting in the monitoring and control of individual loan portfolios for Dealer Commercial Services. In addition, the incumbent is responsible for ensuring the loans are underwritten and structured in accordance with loan and credit policies, as well as supporting the loan production teams. <ul><li>Ensures loans are in compliance with applicable credit & underwriting policies.</li><li>Facilitates structuring of loans.</li><li>Reviews credit approval memos for completeness, accuracy, and detail. Provides feedback as appropriate.</li><li>Provides guidance and support on loan structure to loan production team.</li><li>Conducts on-site inspections as appropriate and coordinate with various vendors.</li><li>Develops strategies that align with business goals in the areas of staffing, optimization, accuracy, credit policy, collections and compliance.</li><li>Tracks and drives forward key performance metrics around verification of application information, underwriting standards, and consistency with credit policy.</li><li>Manages, coaches, and trains individual contributors across credit underwriting teams.</li><li>Manages underwriting operations procedures/ processes and exhibits a sense of urgency towards meeting applicant requests while also meeting acceptable risk parameters.</li></ul> What You Bring: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.<ul><li>Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.</li><li>Master's Degree: Finance, Accounting, Management, Economics or equivalent field. - Preferred.</li></ul><ul><li>9+ Years Underwriting experience within a lending organization - online, credit card and/or installment loans preferred. - Required.</li></ul><ul><li>Ability to shift gears at a moment's notice and enjoy the challenges of scaling up operations in a fast-paced environment is a must.</li><li>Knowledge of underwriting and experience with all underwriting procedures.</li><li>Ability to effectively present information and respond to questions from groups or managers, members, and general public.</li><li>Excellent member service skills.</li><li>Detail oriented, common sense decision-making; above average oral, written and communications skills.</li><li>Ability to define problems, collect data, establish facts, and draw valid conclusions.</li><li>Ability to work with mathematical concepts, such as profitability and statistical inference. Ability to apply concepts, such as fractions, percentages, ratios and proportions, to practical situations.</li></ul> Certifications:<ul><li>No Certifications listed for this job.</li></ul> It Would Be Nice For You To Have:<ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul> What Else You Need To Know :The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location. Base Pay Range Minimum: $120,000.00 USD Maximum: $200,000.00 USD Link to Santander Benefits: Santander Benefits - 2025 Santander OnGoing/NH eGuide () Risk Culture: We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management. EEO Statement: At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. Working Conditions : Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . Employer Rights:This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason. What To Do Next :If this sounds like a role you are interested in, then please apply. We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. Primary Location: Dallas, TX, Dallas Other Locations: Texas-Dallas Organization: Santander Bank N.A.

Dealer Commercial Services Underwriting Manager

American International Group, Inc. (AIG) - UAE

Senior Underwriter- Marine Make your mark in Underwriting AIG underwriting teams help to find insurance solutions in areas including Financial Lines, Property, Casualty, Specialty Lines, Cyber, Multinational Clients, and High Net Worth individuals. We are reimagining how we help customers to manage risk, transforming our operating model, and reshaping our role responsibilities and career pathways. The goal is to unlock the full potential in each colleague empowering our people to grow as insurance professionals and add more value to our customers and AIG. How you will create an impact <ul> <li>To underwrite, market, sell and promote all Marine products within GCC &amp; NA</li> <li> This role will be responsible for Profit and Sales for the Marine division primarily within UAE </li> <li>Responsible for the profitable underwriting of new business production and renewal retention of Marine products for assigned territory developed through Brokers, Direct Clients and Business Development Managers.</li> </ul> What you ll need to succeed Qualifications &amp; Education: Bachelor s Degree. CII qualifications would be a plus Experience: Prior experience in Marine Underwriting or Broking. Training: No mandatory external training Knowledge: Has in-depth knowledge of the Marine Insurance industry, Logistics and Global Trade Skilled in MS Word, Excel, Power Point and Outlook. Power BI is a plus. Job Accountabilities Retention and New Business Development <ul> <li>Maintain and develop strong broker/client relationships</li> <li> Regular in person meetings with brokers </li> <li> Conduct training sessions on AIG appetite and capabilities </li> <li>Ensure account retention rates are maintained as per company/department norms.</li> <li>Underwrite new and renewal business to promote premium growth within</li> </ul> UW authority. <ul> <li>Achieve overall production goal in collaboration with the Underwriting Manager</li> <li>Provide sound underwriting decisions, exhibit flexibility, and price risks to achieve established profit goals for the company.</li> <li>Provide feedback on renewal loss ratios that exceed permissible limits.</li> </ul> Identify poor performing accounts and take remedial actions. Others: 1. Ensure adherence to all corporate Marine Underwriting Guidelines 2. Ensure that all marine pricing tools are being used correctly and that all marine quotes, binders, and policies are issued in accordance with regulatory and corporate policies. 3. Adhere to underwriting authority &amp; underwriting guidelines referenced in the AIG Marine Intranet site. Ensuring that all underwriting decisions are documented in the underwriting file. 4. Handling of all process-oriented tasks ensuring a smooth process in place 5. Other tasks that may be deemed necessary as per the Marine department requirements. Communication and Working Relationships Internal Collaborates with other team members and peer underwriters within Commercial Lines and Distribution External Business relationships with brokers/producers, Clients, Risk Managers, Loss adjusters Key Competencies <ul> <li>Strong interpersonal and communication skills, both written and verbal</li> <li>Presentations skills</li> <li> Negotiation skills</li> <li> Insurance experience in direct markets</li> <li> Problem-solving skills and a logical approach to work</li> <li> Sound judgement and decisiveness</li> <li> Ability to work to tight deadlines</li> <li> Team player</li> <li> Customer service attitude</li> </ul>

Senior Underwriter- Marine

Braxtone Group

<figure class="table"><table><tbody><tr><td>&nbsp;The Senior Underwriter/data analyst&nbsp;plays a crucial role in supporting overall performance, efficiency, analyzing data results, evaluate and underwrite insurance risks in accordance with company policies and profitability targets while leveraging data analytics to monitor portfolio performance, detect trends, and support strategic decision-making. This position bridges technical underwriting with data-driven insight, ensuring sound risk selection, loss ratio improvement, and operational efficiency.&nbsp;</td></tr><tr><td>&nbsp;DUTIES AND RESPONSIBILITIES:&nbsp;&nbsp;<ul><li>A. Underwriting &amp; Risk Evaluation</li><li>Assess and underwrite individual and fleet policies in line with Braxtone and insurer guidelines.</li><li>Analyze policy applications, vehicle data, and client profiles to determine appropriate pricing and coverage terms.</li><li>Ensure underwriting decisions maintain compliance with company risk appetite and reinsurance requirements.</li><li>Review loss experience, claims frequency, and trends to adjust underwriting criteria or premiums.</li><li>Collaborate with brokers and insurance partners to clarify underwriting conditions or exclusions.</li><li>Recommend risk mitigation actions and re-underwriting for loss-making portfolios.</li><li>B. Data Analysis &amp; Reporting</li><li>Collect, clean, and analyze data from claims, underwriting, and operations systems.</li><li>Identify patterns affecting loss ratio, frequency of service, and claim cost by segment or partner.</li><li>Develop dashboards and reports showing key performance indicators (KPI), including:</li><li>Loss ratio by product and insurer</li><li>Average cost per service or claim</li><li>Policy utilization rates</li><li>Portfolio growth by partner</li><li>Support management in quarterly portfolio reviews and pricing model adjustments.</li><li>Monitor Minimum Deposit (M&amp;D) commitments and insurer performance against service volume targets.</li><li>C. Process Optimization</li><li>Recommend automation and workflow improvements for underwriting and data tracking.</li><li>Work with IT to improve data integration between CRM, claims, and finance systems.</li><li>Establish quality checks for data accuracy and consistency across departments.</li><li>D. Compliance &amp; Governance</li><li>Ensure adherence to underwriting authorities, company policies, and local regulatory standards.</li><li>Maintain confidentiality of partner and client data.</li><li>Prepare audit-ready documentation for internal and external reviews.</li></ul>Key Performance Indicators (KPIs)<ul><li>Portfolio Loss Ratio maintained below agreed benchmark.</li><li>Accuracy of underwriting decisions (error rate &lt; 2%).</li><li>Timely delivery of monthly underwriting and performance reports.</li><li>Reduction in data discrepancies and reporting delays.</li><li>Improvement in underwriting profitability through data insights.</li></ul>&nbsp;</td></tr><tr><td>Educational, Skills, and Experience:&nbsp;<ol><li>Bachelor’s degree, in Actuarial studies,&nbsp;Business Administration, Statistics.</li><li>5–8 years’ experience in underwriting (motor or general lines) with strong analytical exposure.</li><li>Experience in insurance data analysis, pricing, or business intelligence.</li><li>Excellent knowledge of insurance principles, risk assessment, and policy structures.</li></ol>&nbsp;Technical Skills:&nbsp;<ol><li>Advanced Excel, Power BI, or Tableau for data visualization.</li><li>Strong command of SQL or similar tools for data extraction (preferred).</li><li>Familiarity with CRM and insurance management systems.</li><li>Excellent reporting, presentation, and documentation skills.</li></ol>&nbsp;Personal Competencies&nbsp;<ol><li>Analytical thinker with high attention to detail.</li><li>Strong communication and negotiation skills.</li><li>Ability to balance commercial awareness with risk control.</li><li>Organized, proactive, and capable of working under pressure.</li><li>Collaborative and able to work cross-functionally with Operations, Finance, and IT.</li></ol>&nbsp;</td></tr></tbody></table></figure>

Senior Underwriter/ Data Analyst ( Bahrain Based)

Montpellier Resourcing

Up to £80,000 plus excellent bonus and benefitsPlease note this role is 5 days in the office. A leading, independent provider of commercial real estate, bridging finance, and buy-to-let mortgages is seeking a proactive and driven Relationship Manager to join their growing Commercial Real Estate team. The company specialises in offering tailored financial solutions to commercial real estate professionals, investors, and intermediaries. In this role, you will serve as the primary contact for a portfolio of commercial clients, driving engagement, retention, and new lending opportunities. You will work with loan management, underwriting, and business development teams to deliver an excellent client experience and ensure a smooth commercial property loan lifecycle.Duties of the Commercial Real Estate Relationship Manager to include:<ul><li>Client Relationship Management: Act as the lead point of contact for clients with commercial property portfolios, introducing them to the full scope of support available. Ensure high levels of service to secure repeat business and referrals.</li><li>Identifying & Growing Lending Opportunities: Re-engage previous commercial clients to explore future funding needs, identify opportunities for refinancing or expansion within their commercial property portfolios, and transition clients between products to maximise value.</li><li>Internal Collaboration: Liaise with all internal departments, including Loan Management, Legal, and Underwriting, to develop and execute relationship strategies for commercial clients. Support the Business Development team as needed.</li><li>Client Experience & Continuous Improvement: Support commercial property loan cases through the underwriting process, manage client feedback to recommend service improvements, and resolve client issues professionally. Stay informed on market trends and competitor activity.</li></ul>Requirements for the successful Commercial Real Estate Relationship Manager:<ul><li>Proven experience in relationship management within commercial real estate lending is essential</li><li>Strong understanding of commercial loan structures, products, and the UK property finance market.</li><li>Excellent interpersonal and communication skills.</li><li>Ability to manage multiple priorities and build long-term client relationships.</li><li>Knowledge of underwriting and loan servicing processes for commercial property.</li><li>Existing network of commercial property professionals or intermediaries.</li></ul>This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.

Commercial Real Estate Relationship Manager

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