Senior Manager - Medical Underwriting
# Senior Manager - Medical Underwriting **Orange Health Consultancies** · Dubai · `On-site` 🕒 **Статус:** *Опубликовано: 8 дней назад* · *Источник: Indeed* --- ### About the Role Role Purpose - Lead the Medical Underwriting function for the agency, with end-to-end responsibility for risk selection, underwriting quality, portfolio performance and profitability . - Manage underwriting within the delegated authority provided by the insurance company , ensuring adherence to agreed underwriting guidelines and risk appetite. - Support business growth while maintaining strong underwriting discipline and portfolio quality. Key Responsibilities - Lead underwriting for corporate, SME, individual and group medical insurance business. - Assess medical risks based on medical disclosures, claims experience, utilization, medical reports and other relevant information. - Approve risks within delegated authority and refer cases outside the approved authority to the insurance company . - Establish and maintain underwriting guidelines, referral matrices, approval limits and underwriting SOPs. - Review complex, high-value and high-risk cases and provide technical recommendations. - Drive underwriting decisions on loadings, exclusions, deductibles, co-payments, special terms and risk conditions . - Review new business and renewal cases and recommend appropriate commercial terms. - Monitor portfolio performance, including loss ratio, claims trends, medical inflation, utilization and profitability . - Identify underperforming portfolios and recommend corrective underwriting actions. - Provide underwriting inputs for pricing, product design, benefit structures and renewal strategy . - Work closely with Sales, Claims, Operations, Actuarial and the insurance company to ensure commercially sound underwriting decisions. - Support major client/broker negotiations by providing technical underwriting inputs. - Conduct periodic portfolio reviews and underwriting audits to ensure compliance with delegated authority. - Prepare and present underwriting and portfolio performance reports to management and the insurance company. - Lead, mentor and develop the underwriting team and ensure appropriate allocation of cases based on complexity and authority. - Drive improvements in underwriting turnaround time, quality, consistency and automation. Decision-Making Authority - Approve risks within the delegated underwriting authority granted by the insurance company . - Determine underwriting terms within approved guidelines and authority limits. - Recommend acceptance, rejection, loading, exclusions and special conditions. - Escalate risks outside delegated authority or agreed risk appetite to the insurance company. - Recommend changes to underwriting guidelines based on portfolio performance and emerging risks. - Challenge business opportunities where the risk does not meet the agency's underwriting standards. Key Performance Indicators - Portfolio loss ratio and profitability - New business quality and growth - Renewal profitability and retention - Underwriting accuracy and quality - Turnaround time - Referral and exception ratio - Compliance with delegated underwriting authority - Portfolio performance by segment/channel - Large-risk performance - Underwriting audit findings - Team productivity and capability Experience & Qualifications - Bachelor's degree in Insurance, Healthcare, Medicine, Life Sciences, Business or a related discipline. - 10–15+ years of medical insurance underwriting experience , preferably in the UAE/GCC. - Strong experience in corporate medical and group health insurance underwriting . - Experience handling complex and large corporate risks. - Strong understanding of UAE medical insurance, claims trends and healthcare utilization. - Experience working with insurers, TPAs, brokers and corporate clients. - Experience in an MGA, delegated underwriting or insurance agency model will be highly preferred. - Strong commercial acumen with the ability to balance business growth, risk and profitability . - Strong analytical, decision-making, negotiation and stakeholder-management skills. Ideal Profile: A senior medical underwriting professional who can independently own the underwriting function, manage delegated authority, drive portfolio profitability and work closely with the insurance company , rather than purely performing case-level underwriting. Pay: AED15,000.00 - AED30,000.00 per month Work Location: In person
Наблюдалась 2026-10-15, впервые 2026-10-06, источник — Indeed.