Manager, Underwriting

The National Insurance Company – Daman; Abu Dhabi; On-site; AED 300,000 - 600,000; Full time

Job summary

The National Insurance Company – Daman in Abu Dhabi is seeking a senior underwriting leader to formulate strategies that align risk with business goals. You will implement innovative underwriting models to optimize profitability and establish compliant frameworks.

Leading a team, you will drive process improvements, collaborate with sales and claims, and promote data-driven pricing and analytics to sustain market position while ensuring regulatory adherence.

Qualifications

• Bachelor’s degree in Finance, Risk Management, or Insurance.
• Master’s degree in Finance, Risk Management, Insurance, or a related field is preferred.
• CIU certification or equivalent is a plus.

Responsibilities

• Lead underwriting operations to ensure policy terms align with risk appetite.
• Develop and implement digital underwriting tools to improve efficiency.
• Monitor market trends and analyze performance data to refine strategies.
• Collaborate with brokers and clients to drive growth and retention.
• Plan and present underwriting performance reports to leadership.
• Ensure compliance with regulatory standards and governance policies.
• Foster a high‑performing team through training and development.

Skills

Underwriting expertise

Strategic leadership

Regulatory compliance

Data analytics

Portfolio risk assessment

Education

Bachelor’s degree in Finance, Risk Management, or Insurance

Master’s degree in Finance, Risk Management, Insurance, or a related field

Job description

To formulate underwriting strategies ensuring risk alignment with business goals. Implement innovative underwriting models to optimize efficiency and profitability. Establish compliance-driven underwriting frameworks to mitigate risks and enhance financial performance. Oversee underwriting team development, fostering continuous improvement and alignment with industry best practices.

Responsibilities

Strategic & Managerial Responsibilities:

• Formulate underwriting policies ensuring risk alignment, profitability, and regulatory compliance while optimizing decision‑making for sustainable business growth.
• Initiate process improvements integrating automation and analytics to enhance underwriting accuracy, efficiency, and competitive advantage in the market.
• Foster collaboration between underwriting, sales, and claims teams to align strategies, improve coordination, and streamline underwriting workflows.
• Implement risk assessment frameworks incorporating market intelligence, predictive analytics, and underwriting best practices to optimize portfolio performance.

Core Responsibilities:

• Manage underwriting operations, oversee risk assessments and ensuring policy terms align with corporate risk appetite and industry standards.
• Monitor market trends, analyzing underwriting performance data to refine strategies and maintain competitive positioning within the industry.
• Enhance pricing models through data‑driven methodologies, ensuring profitable underwriting decisions and risk‑adjusted premium structures.
• Oversee policy renewals, ensuring compliance with underwriting standards and risk mitigation protocols while maintaining client satisfaction.
• Develop and maintain strong relationships with brokers and clients, promoting business growth and customer retention.
• Plan and present underwriting performance reports, providing insights for leadership to drive strategic decision‑making.
• Promote adherence to regulatory frameworks, underwriting guidelines, and corporate risk governance policies.
• Implement digital underwriting tools to streamline workflows, enhance efficiency, and improve risk evaluation processes.

Quality & Excellence Management:

• Establish quality benchmarks, ensuring underwriting decisions adhere to internal and external regulatory standards for risk assessment.
• Monitor underwriting performance metrics, identifying areas for improvement and implementing corrective measures to enhance decision accuracy.
• Enhance underwriting service excellence by implementing best practices to improve response time and policy issuance efficiency.

People Management Responsibilities:

• Manage and motivate underwriting teams, fostering a high‑performance culture and continuous development mindset.
• Oversee training initiatives, ensuring underwriters develop expertise in risk assessment, compliance, and emerging underwriting techniques.
• Foster a culture of continuous learning, encouraging knowledge sharing and innovation in underwriting practices.

Qualifications

Preferred Educational Qualifications and Professional Certifications

• Bachelor’s degree in Finance, Risk Management, Insurance, or a related field.
• Master’s degree in Finance, Risk Management, Insurance, or a related field.
• Certified Insurance Underwriter (CIU), or equivalent are a plus.

Experience

• Minimum 8-10 years of experience in underwriting, with at least 2 years in a senior leadership role.