Commercial Lines Underwriting

Underwriting & Risk Assessment Evaluate and underwrite proposals for property, fire, burglary, engineering, and other miscellaneous retail products. Analyze risk exposures, policy terms, and coverage requirements. Ensure adherence to underwriting guidelines, pricing models, and regulatory norms. Portfolio Management Monitor performance of underwritten risks and contribute to portfolio profitability. Identify trends and recommend corrective actions for adverse loss ratios. Stakeholder Engagement Support channel partners and intermediaries with technical underwriting inputs. Documentation & Compliance Maintain accurate underwriting records and documentation. Ensure compliance with IRDAI regulations and internal audit requirements. Product Development & Innovation Provide feedback on product features and market trends. Collaborate with product teams to enhance offerings based on customer and market needs. Qualifications & Skills: Education: Graduate/Postgraduate in Insurance, Risk Management, or related field. Professional certifications (e.g., Fellowship/Associateship from III) preferred. Experience: 36 years of underwriting experience in non-motor, non-health retail lines. Skills: Strong analytical and decision-making skills. Knowledge of underwriting tools and risk assessment techniques. Proficiency in MS Office Excellent communication and stakeholder management skills. .