Underwriting & Risk Analytics Specialist

Cigna Healthcare; Dubai; On-site; AED 240,000 - 420,000; Full time

Job summary

Cigna Healthcare in Dubai is seeking an Underwriter to join the Middle East team. The role involves fundamental risk analysis, rate development, pricing, and consultative underwriting responsibilities for SME and large corporate clients.

You will work with sales, brokers, and clients to implement rating actions, manage portfolios for profitability, and coordinate with finance, actuarial, and clinical teams to ensure pricing effectiveness.

Qualifications

• A graduate degree in Mathematics, Statistics, Engineering or closely related field.
• Up to 5 years’ working experience.
• A passion for analytics, with proven experience.
• Knowledge of the health insurance industry is preferable.
• Pursuit of professional qualifications or continued development will be viewed favorably.

Responsibilities

• Evaluate, price and build insurance plans for SME and Large corporations in line with organizational and market strategy
• In depth analysis and pricing of renewal portfolio, working with relevant sales representatives, brokers and clients to implement required rating actions
• Manage portfolio of accounts, balancing long term profitability, persistency and growth
• Conduct analytical reviews to identify and understand trends, patterns and insights that are used to successfully manage portfolio
• Working closely with sales and client management to win and retain business
• Working closely with operations and clinical teams to ensure the appropriate use of products
• Maintaining strong relationship with finance and actuarial teams to ensure the effectiveness of pricing strategies and models
• Investigate any non-compliance of benefit adjudication and liaise with appropriate managers to ensure compliance
• Provide concise, clear and decisive instructions on risk exposure
• Be market aware; understand the competition, the environment and customer needs
• Provide accurately and timely UW metrics to the Underwriting Manager

Skills

Numeracy

Data analytics

Predictive modelling

Problem solving

Business acumen

Excel proficiency

Teamwork

English communication

Education

Graduate degree in Mathematics/Statistics/Engineering

Tools

Excel

Job description

Cigna Healthcare in Dubai is seeking an Underwriter to join the Middle East team. The role involves fundamental risk analysis, rate development, pricing, and consultative underwriting responsibilities for SME and large corporate clients.

You will work with sales, brokers, and clients to implement rating actions, manage portfolios for profitability, and coordinate with finance, actuarial, and clinical teams to ensure pricing effectiveness.