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Head – Technical Underwriting

Digit Life InsuranceBangalore Urban, Karnataka, India

22 hours ago

Job description

Role Overview :

We are seeking a dynamic and seasoned Underwriting leader to spearhead the Technical Underwriting function. This role will focus on driving a robust, data-led, and tech-enabled underwriting ecosystem for our Life Insurance business. This role will own the end-to-end underwriting framework, embedding risk intelligence, clinical expertise, and automation into our decisioning engines to fuel growth, protect profitability, and elevate the customer experience.

Key Responsibilities

Underwriting Framework Design :

Create tailored underwriting rules, guidelines, and philosophies for diverse products and portfolios.
Develop a new-age, customer-centric underwriting workflow enabled by technology.

Fraud & Risk Management :

Design and deploy rule-based systems to proactively detect fraud patterns and control loss ratios.

Partner with product teams to develop underwriting solutions aligned with business performance goals.

Leverage clinical and medical insights to refine risk selection and predict future claims exposure.

Portfolio Analytics & Rule Governance :

Lead granular portfolio analytics to identify emerging trends and refine underwriting strategies.

Establish differentiated rules for varied customer segments and product lines.

Continuously evaluate current underwriting practices and benchmark against market standards.

Technology Integration & Automation :

Collaborate with Tech teams to automate underwriting workflows and decision engines.

Design straight-through and exception-based rule engines to optimize turnaround times (TATs).

Track and maintain underwriting SLAs across journeys and systems.

Clinical and Medical Decisioning Support :

Prepare data-driven clinical and financial recommendations to support risk-based pricing.

Lead clinical underwriting analysis for group and retail segments based on utilization, claims, and business trends.

Apply domain expertise in medical decision-making and support rate development processes.

Stakeholder Collaboration & Policy Evolution :

Act as a strategic partner to product, business, and distribution teams to calibrate UW norms.

Drive cross-functional collaboration for seamless underwriting implementation and enhancement.

Prepare reports and assist in creation and evolution of policies based on clinical / utilization trends.

Strategic Innovation & Business Enablement :

Serve as the underwriting voice in go-to-market strategy, product innovation, and customer journey design.

Participate in initiatives to develop future-ready systems, programs, and underwriting protocols.

Qualifications & Experience

10–15 years of Life Insurance underwriting experience with expertise in rule design and risk management.

Strong experience in clinical underwriting and data-led decisioning frameworks.

Exposure to fraud analytics and integration of risk models into underwriting flows.

Skilled in working with tech teams to build automated, scalable underwriting solutions.

Excellent communication, collaboration, and stakeholder management abilities.

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Technical • Bangalore Urban, Karnataka, India

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