Product Lead_Health insurance

Underwriting & Portfolio Management

• Evaluate and manage Group Health and Group Personal Accident quotations and underwriting referrals in accordance with underwriting guidelines.
• Ensure timely turnaround of quote submissions while maintaining underwriting quality and consistency.
• Assess group risks by analyzing claims experience, pricing adequacy, risk exposure, and portfolio profitability.
• Manage policy renewals by reviewing claims experience, pricing, and underwriting performance.
• Work closely with Sales teams to understand customer requirements and recommend appropriate underwriting solutions.
• Collaborate with Operations and Claims teams to ensure seamless policy issuance, servicing, and resolution of underwriting-related queries.

Portfolio Analytics & Business Intelligence

• Monitor and analyze portfolio performance, including loss ratios, claims trends, premium movements, renewal retention, and profitability.
• Identify portfolio steering opportunities through data analysis and recommend corrective actions to underwriting leadership.
• Support pricing reviews, risk selection, and scenario-based analysis to improve underwriting outcomes.
• Develop actionable insights to enhance portfolio profitability and business growth.

MIS & Reporting

• Own and publish monthly underwriting reports within defined timelines, ensuring accuracy and consistency.
• Design, develop, and maintain dashboards for underwriting and business leadership.
• Generate periodic and ad hoc MIS reports covering new business, renewals, endorsements, claims development, and portfolio performance.
• Automate reporting processes wherever possible to improve efficiency and data accuracy.

Stakeholder Management

• Partner with Sales, Claims, Operations, Actuarial, Finance, and Business Development teams to validate data and resolve underwriting issues.
• Build and maintain strong relationships with brokers, intermediaries, and internal stakeholders.
• Present portfolio insights, performance trends, and recommendations to senior management.
• Support audits, compliance requirements, and business review meetings.

Qualifications

• Graduate/Postgraduate in Statistics, Mathematics, Economics, Engineering, Finance, or a related quantitative discipline.
• Professional certifications such as III/FIII or Analytics certifications will be an added advantage.