Commercial Lines Underwriting

• 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.

• Monitor performance of underwritten risks and contribute to portfolio profitability.
• Identify trends and recommend corrective actions for adverse loss ratios.

• Support channel partners and intermediaries with technical underwriting inputs.

• Maintain accurate underwriting records and documentation.
• Ensure compliance with IRDAI regulations and internal audit requirements.

• Provide feedback on product features and market trends.
• Collaborate with product teams to enhance offerings based on customer and market needs.

• Graduate/Postgraduate in Insurance, Risk Management, or related field.
• Professional certifications (e.g., Fellowship/Associateship from III) preferred.

• 36 years of underwriting experience in non-motor, non-health retail lines.

• Strong analytical and decision-making skills.
• Knowledge of underwriting tools and risk assessment techniques.
• Proficiency in MS Office
• Excellent communication and stakeholder management skills.

Required Skills