The Role

The jobholder will be responsible for the establishment, implementation and evaluation of business and strategic direction to deliver growth and underwriting profitable through proper selection, acceptance, training and ensuring compliance in Underwriting.  He or she will efficiently and effectively manage the underwriting team to ensure satisfactory underwriting standards are achieved profitably.

Key responsibilities

• Provide technical expertise to underwriting staff and marketing team
• Reviewing the risks accepted in the organization to ensure they are within the set underwriting guidelines and are covered under the reinsurance programme
• Issuing and approving quotations
• Working closely with reinsurance to ensure proper reinsurance
• Negotiating of reinsurance treaties, facultative and claims recoveries
• Liaising with claims department on loss ratio, emerging trends and risk mitigation
• Reviewing existing risks, recommending and implementing risk mitigation measures
• Conducting performance appraisals, coaching, training and mentoring staff
• Managing the entire underwriting processes.
• Ensure department compliance with underwriting guidelines, reinsurance treaty, credit management policy and customer service benchmarks as per company service charter
• Assist, advice and support marketing team in all marketing initiatives.
• Provide input on product development and business innovation initiatives to ensure continuous review of products to meet changing market needs.
• Engage intermediaries and business partners in order to grow the business
• Managing the renewal process to archive the set performance level and turnaround times
• Coordinating the underwriting activities including branches to ensure quality excellent customer service
• Reviewing and submitting compliance, monthly and periodic reports.
• Reviewing of departmental business processes and IT systems to meet the changing business needs

Experience and Qualifications

• At least 5 years’ experience in a Supervisory positon in Underwriting department
• Degree in Insurance or relevant field.
• Completed AIIK or ACII

The Role

The jobholder will be responsible for underwriting, vetting, set-up, renewal, servicing and support, documentation and management of schemes on Hais, and handling of related queries from clients and intermediaries on existing schemes

Key responsibilities

• Ensure accurate setting up and managing of membership details in Hais within set TAT’s
• Ensure accurate and timely system entry/capture of medical benefits purchased and regular maintenance and update
• Ensure correct, prompt debiting and dispatch of premium invoices and the renewal/commencement premium schedules to the client/intermediary.
• Co-ordinate with the outsourced card production team on preparation of medical cards
• Handling queries from walk in clients, brokers, agents.
• Follow through the reports required by client/intermediary within the expected TATs and SLAs
• Preparing policy documents and endorsements and dispatch of the same to the relevant client
• Support duties for fellow underwriters as directed by the Supervisor
• Ensure printing and dispatch of premium debits/credits and r schemes reconciliations.
• Familiarize with system to note it’s extremes and what needs to be adjusted
• Handle reconciliation of premiums where disputes arise
• Handle reconciliation of membership data to ensure accuracy
• Liaise with the product and business development teams to evaluate the products
• Organize and attend meetings with clients and intermediaries
• Handle renewal process and secure the schemes renewals assigned to the portfolio.
• Client interactions – to be able to deal with our customers face to face as walk ins or when we visit clients
• Investigation of issues, an ability to recognize trends of issues and where other processes are going wrong – being proactive in recommending solutions.
• The team member will be expected to take ownership and seek to resolve queries
• Support on premium and excess collection

Experience and Qualifications

• At least 2 years’ experience in Heathcare Underwriting department
• Degree in Insurance or relevant field.
• Progress in insurance professional course (AIIK or ACII) will be an added advantage