General Insurance Underwriter

NADIA; Dubai; On-site; AED 120,000 - 180,000; Full time

Job summary

NADIA in Dubai is seeking a skilled General Insurance Underwriter to manage risk across Property, Casualty, Motor, Marine and Group Life, while maintaining strong broker relationships and precise policy wordings.

You will assess risks, pricing, and coverage, liaise with insurers for competitive quotes, and ensure compliance with AML/KYC regulations. The role involves collaboration with claims teams and internal stakeholders to optimize risk management and portfolio performance.

Qualifications

• Bachelor's degree required (attested).
• Minimum 3 years in general underwriting (attested certificate preferred).
• Experience in insurance brokerage or underwriting departments preferred.

Responsibilities

• Underwrite applications across lines including property, casualty, motor, marine and life.
• Analyze risk, financials, claims history and documentation for pricing decisions.
• Review policy wordings and ensure proper terms and coverage.
• Negotiate terms with insurers to obtain competitive quotations.
• Evaluate coverage solutions based on client risk profiles.
• Ensure compliance with internal guidelines and regulatory requirements.
• Conduct risk assessments and provide technical underwriting support.
• Monitor AML and KYC checks to mitigate financial crime risks.
• Support claims teams on complex or disputed claims affecting outcomes.
• Build relationships with insurers, clients and brokers; stay updated on market trends.
• Prepare underwriting reports, risk evaluations, and portfolio analyses.

Skills

Underwriting principles

Risk assessment

Communication skills

Client & broker management

Regulatory compliance

Education

Bachelor's degree

Tools

Policy administration systems

KYC/AML tools

Job description

About the Company

We are looking for a skilled and detail-oriented General Insurance Underwriter to join our team in Dubai. The ideal candidate will have hands‑on experience within a general insurance environment, particularly working with insurance brokers, and possess strong technical knowledge of underwriting processes, insurance products, and policy administration. The role requires strong communication skills and the ability to manage client and broker relationships effectively.

About the Role

Key Responsibilities

• Assess and underwrite insurance applications across multiple lines, including Property, Casualty, Motor, Marine, Liability, and Group Life Insurance.
• Analyze risk exposures, financial information, claims history, and supporting documentation to determine underwriting decisions and pricing.
• Review policy coverage requirements and ensure suitable terms, conditions, and policy wordings are applied.
• Liaise with insurance companies to obtain competitive quotations and negotiate favorable terms for clients.
• Evaluate and recommend appropriate coverage solutions based on clients' risk profiles.
• Ensure underwriting activities comply with internal guidelines, regulatory requirements, and industry best practices.
• Conduct thorough risk assessments and provide technical underwriting support to internal teams.
• Monitor compliance with AML (Anti-Money Laundering) regulations and company compliance policies.
• Perform KYC (Know Your Customer) checks and due diligence procedures to identify and mitigate financial crime risks.
• Support claims teams on complex or disputed claims where underwriting decisions may impact claim outcomes.
• Build and maintain strong relationships with insurers, clients, brokers, and other stakeholders.
• Stay updated on market developments, emerging risks, new insurance products, and competitor offerings.
• Prepare underwriting reports, risk evaluations, and portfolio analysis as required.
• Identify trends and emerging exposures and provide recommendations for risk management improvements.

Qualifications:

Education: Bachelor's Degree (Attested certificate required)

Experience: Minimum 3 years in general underwriting (attested experience certificate preferred)

Preferred Background: Experience in insurance brokerage or underwriting departments of insurers

Technical Skills:

• Knowledge of underwriting principles across multiple lines (e.g., property, casualty, marine, motor, group life)
• Familiarity with risk assessment, policy wording, and pricing methodologies
• Understanding of regulatory and compliance requirements

Soft Skills:

• Strong analytical and decision-making skills
• Excellent communication and stakeholder management abilities
• Ability to negotiate and build relationships with clients, brokers, and insurers