Head of Accident and Health Underwriting Manager

To lead the overall strategy, governance, and performance of the Accident & Health (A&H) underwriting and pricing function. The role is accountable for establishing underwriting and pricing strategies, managing portfolio risk and profitability, strengthening technical capabilities, and ensuring that underwriting decisions and pricing practices support the Company's long-term business objectives, regulatory obligations, and risk appetite.

Responsibilities...

• Lead and develop A&H underwriting and pricing strategies to ensure effective risk management, competitive pricing, and sustainable portfolio profitability.
• Oversee underwriting decisions, risk assessments, pricing reviews, and the development of underwriting guidelines and pricing policies.
• Monitor portfolio performance, claims trends, loss ratios, and profitability, and implement appropriate underwriting and pricing strategies.
• Collaborate with Actuarial, Claims, Sales, Product, and other relevant teams to drive profitable business growth and product development.
• Oversee A&H operations, including policy issuance and sales support, to ensure operational efficiency, service quality, and customer satisfaction.
• Lead, coach, and develop the underwriting team to achieve business objectives and maintain high performance standards.
• Provide strategic insights and management reports on underwriting performance, pricing adequacy, and portfolio profitability.
• Ensure compliance with company policies, underwriting governance, and applicable regulatory requirements.

• Bachelor's degree in Nursing, Medical Science, Insurance, Actuarial Science, Business Administration, or a related field.
• Minimum 7 years of relevant experience in A&H underwriting, health insurance, pricing, or portfolio management, with proven leadership experience.
• Strong expertise in underwriting strategy, pricing, risk assessment, claims analysis, and portfolio profitability.
• Excellent analytical, strategic thinking, commercial, and decision-making skills.
• Proven leadership, negotiation, and stakeholder management capabilities.
• Good command of written and spoken English and strong computer and data analysis skills.
• Results-oriented, commercially minded, proactive, and able to lead teams in a fast-paced business environment.