Senior Underwriter - New Business

ParetoHealth; Deutschland; Hybrid; EUR 70.000 - 110.000; Vollzeit

Benefits dieser Stelle

Fully paid medical, dental, and vision

Flexible PTO

401k company contribution

Tuition reimbursement

Professional development allowance

Transportation allowance and daily 1-1

Engaging hybrid work environment

Zusammenfassung

ParetoHealth is seeking a seasoned Senior Underwriter to assess and manage risks for self-funded health plans, focusing on stoploss strategies. You will analyze claims data, forecast risks, and craft pricing aligned with client needs and regulatory requirements.

The role demands leadership in underwriting decisions, collaboration with teammates, and ongoing knowledge expansion in medical cost trends and risk assessment.

Qualifikationen

• Bachelor’s degree in finance, economics, actuarial science, or a related field.
• Certifications in underwriting or actuarial science are a plus.
• Strong analytical and numerical skills for complex risk assessment.

Aufgaben

• Conduct thorough risk assessments of Pareto Self-funded health plans and set stoploss coverage levels and premiums.
• Analyze healthcare data to forecast risks and cost implications.
• Perform medical underwriting reviews for large claims with or without nurse review resources.
• Operate effectively with incomplete information and adapt to market dynamics.
• Collaborate with account management to justify pricing and messaging to clients.

Kenntnisse

Underwriting software

Data analysis tools

MS Office

Risk assessment

Communication

Collaboration

Stoploss products knowledge

Ausbildung

Bachelor’s degree in finance/economics/actuarial science

Professional certifications (plus)

Tools

Underwriting software

Data analysis tools

Microsoft Office

Jobbeschreibung

About ParetoHealth

ParetoHealth is redefining the way employers fund healthcare. As the largest and fastest-growing benefits captive in the United States, we help thousands of small and midsize employers take control of healthcare costs through a smarter, more sustainable model.

Our mission is simple: give small and midsize employers the scale and protection they need to eliminate volatility and lower healthcare costs.

By combining data-driven insights, innovative risk management, and the collective purchasing power of our community, we enable employers to reduce volatility, improve long-term outcomes, and reinvest savings into their businesses and their people.

Headquartered in Philadelphia, ParetoHealth is growing rapidly and transforming one of the country's largest industries. Our success is fueled by talented people who are united by our four core values: Fire in the Belly, For the Greater Good, See the Field, and Get It Done Right. These values shape how we innovate, collaborate, make decisions, and deliver exceptional results for our clients and one another.

If you're energized by solving complex challenges, thrive in a high-growth environment, and want to help reshape the future of healthcare, we'd love to meet you.

Please note that ParetoHealth does not provide employment visa sponsorship for this position. Candidates must be authorized to work in the United States without sponsorship both now or in the future.

Position Summary

Pareto Health is seeking a seasoned and detail-oriented Senior Underwriter to join our team. This role is pivotal in assessing and managing the risks associated with self-funded health plans, using stoploss insurance. The ideal candidate will bring expertise in analyzing complex health risks and crafting stoploss strategies that align with our commitment to providing innovative and cost-effective healthcare solutions to our clients.

Key Responsibilities:

• Conduct thorough risk assessments of current Pareto Self-funded health plans and determine appropriate stoploss coverage levels and premiums.
• Analyze healthcare data, including claims and utilization patterns, to forecast potential risks, cost implications, and appropriate support
• Perform medical underwriting review of individual large claimants based upon self-funded reporting both with and without supporting nurse review resources
• Effectively execute in an environment of incomplete information
• Understand competitive market dynamics and react appropriately
• Partner with account management to ensure appropriate pricing rationale is understood and messaged externally, while considering consultant / customer dynamics
• Provide guidance and training to junior underwriters and other team members, enhancing the overall expertise of the department.
• Enhance your own skills around knowledge of medical treatments and projected costs in partnership with the clinical risk team
• Ensure adherence to industry standards and legal requirements in all underwriting decisions and practices.

Qualifications:

• Bachelor’s degree in finance, economics, actuarial science, or a related field; relevant professional certifications are a plus.
• Minimum of 5-7 years of experience in stoploss underwriting, with a proven history in handling complex health risks.
• Proficiency in underwriting software, data analysis tools, and Microsoft Office Suite.
• Exceptional ability to analyze data, identify trends, and solve underwriting challenges.
• Excellent communication and negotiation skills, with the ability to articulate technical concepts to a non-technical audience.
• Strong collaborator, capable of working effectively in a dynamic and collaborative environment
• Strong understanding of stoploss products/self-funding, healthcare industry trends, and regulatory landscape

Perks & Benefits:

• Fully paid medical, dental, and vision benefits.
• Flexible PTO
• 401k company contribution
• Tuition reimbursement
• Professional development allowance
• Transportation allowance and daily parking reimbursement
• Engaging hybrid work environment

We are guided by our values:

Fire in the belly

The drive to learn, to improve, and to deliver outstanding value everyday.

See the field

The ability to see the big picture and prepare to meet tomorrow’sneeds.

Get it done right

The passion to produce at higher rates and to the higheststandards.

For the greater good

A united community creating better health benefit solutions forall.

ParetoHealth is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring and firing of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all members of our staff, clients, volunteers, subcontractors, vendors, and clients.

California Applicants: See Pareto’s CCAA Notice of Collection for California Employees and Applicants for information about how Pareto Captive Services, LLC, Pareto Health, LLC, and Pareto Underwriting Partners, LLC, together with their respective subsidiaries (collectively, “Pareto”) collects and uses personal information submitted by employment applicants.