Manager, New Business Underwriting

1.  Underwriting

• Assess and underwrite life and health insurance applications across new business and policy servicing, determining the acceptability of risks in line with underwriting principles.
• Communicate and explain underwriting decisions, requirements, and terms clearly to the sales channels.
• Lead and independently manage complex, high‑profile underwriting cases, including: 
  • Complaints and service recovery cases
  • Post‑claims underwriting investigations (e.g. non‑disclosure detected during claims)
  • Sensitive and escalated cases with reputational or regulatory exposure
• Conduct thorough assessments, ensure decisions are technically sound, defensible, and well‑documented, and aligned with underwriting standards and risk appetite.

2. High‑Risk Case Management

3. Complex & Non‑Standard Case Support

• Handle non‑standard underwriting scenarios that fall outside standard BAU processes, especially cases requiring: 
  • Cross‑functional coordination (e.g. Distribution, Reinsurance, Actuarial, Legal)
  • Senior judgement due to complexity, urgency, or commercial sensitivity
• Act as the key underwriting representative in complex case discussions and escalations.

4. Stakeholder Engagement

• Partner closely with Distribution, Claims, Reinsurance, Actuarial, and Operations to resolve complex underwriting issues effectively.
• Support Distribution in managing expectations for complex cases while safeguarding underwriting governance and service standards.

5. Governance, Risk & Quality Control

• Ensure underwriting decisions on sensitive cases comply with internal policies, controls, and regulatory expectations.
• Identify emerging risk themes from complaints and investigations and recommend improvements to underwriting practices or controls.

6. Coaching & Capability Development

• Provide training, technical guidance and coaching to junior and mid‑level underwriters, particularly on borderline or complex cases.
• Serve as an escalation point for underwriting judgement issues.
• Contribute to strengthening underwriting bench strength and decision consistency across teams.

7. Other Responsibilities:

• Lead and drive projects as required.
• Responsible for managing team's service standard.
• Conducting case reviews and providing performance/development reports.
• Provide service support and liaison for the sales channels, provide guidance to team on case management/channel management
• Manage the team and provide leadership support when required.

Requirements:

• At least a diploma or degree
• A degree in Insurance or Biomedical Science or Life Science would be an added advantage
• At least 8 years of experience in life and health underwriting
• Experience in Singapore life insurance market will be preferred
• Good written and verbal communication skills
• Team player with good interpersonal skills
• Committed, take ownership and results-driven