Junior Medical Underwriter

SCOR; Madrid; On-site; EUR 65,000 - 90,000; Full time

Job summary

SCOR Global Life in Madrid, Spain, seeks an experienced underwriter to specialise in mortality and disability cases, with potential to support claims and AI initiatives. You will deliver high-quality underwriting decisions, analyse risk factors, and collaborate with international desk teams to execute client strategy.

The role requires strong technical knowledge, attention to detail, and effective client-facing support across regions.

Qualifications

• A minimum of 2-3 years underwriting experience with authority to load, postpone and decline all classes of business.
• Excellent technical underwriting knowledge.
• Good analytical judgement, attention to detail and ability to document underwriting decisions clearly and consistently.
• Life & Health Insurance market and product knowledge.
• Additional language skills relevant to other markets, such as Italian or Portuguese, would be an advantage.

Responsibilities

• Deliver high-quality underwriting decisions for mortality and disability cases.
• Ensure business is underwritten in line with SCOR’s underwriting philosophy, risk appetite, and overall business strategy.
• Support underwriting audits and reviews at client offices to support quality assurance and best practice.
• Participate actively in client visit programmes, fostering strong relationships and delivering a high standard of service.
• Analyse and produce management information and performance metrics to support the efficiency and effectiveness of underwriting processes.
• Work closely with the wider International Desk teams to support the execution of the client strategy and contribute to the achievement of team objectives.
• Collaborate with colleagues across the broader underwriting and medical underwriting communities to share expertise, insights, and best practices. Collaboration may expand to claims management activities.
• Represent SCOR Global Life at industry events, conferences, and professional forums, enhancing market visibility and strengthening stakeholder relationships.
• Provide underwriting support to other regions as required, in coordination with other markets within Continental Europe & Latin America.Actively contribute to internal AI and innovation initiatives, while staying abreast of developments in artificial intelligence and digital underwriting. Support the evaluation, testing and adoption of new technologies within the medical underwriting function and actively engage with the wider underwriting community to share insights and best practices.

Skills

Underwriting experience

Technical underwriting

Analytical thinking

Life & Health knowledge

Job description

A primary responsibility of the position is the underwriting of mortality and disability cases, including larger or more complex cases where appropriate, in accordance with SCOR’s underwriting philosophy, risk appetite and agreed client service standards. In addition, the role contributes to the broader underwriting function by providing technical support on client-specific enquiries, conducting medical and market research, and assisting with the development of underwriting solutions that enhance client value and service excellence.

This role operates within a dynamic and evolving environment, requiring agility, adaptability, and a collaborative mindset. Alongside Medical Underwriting responsibilities, the incumbent may contribute to Claims Management activities, ensuring seamless support across the end-to-end risk and claims lifecycle.

Responsibilities

Deliver high-quality underwriting decisions for mortality and disability cases.

Ensure business is underwritten in line with SCOR’s underwriting philosophy, risk appetite, and overall business strategy.

Support underwriting audits and reviews at client offices to support quality assurance and best practice.

Participate actively in client visit programmes, fostering strong relationships and delivering a high standard of service.

Analyse and produce management information and performance metrics to support the efficiency and effectiveness of underwriting processes.

Work closely with the wider International Desk teams to support the execution of the client strategy and contribute to the achievement of team objectives.

Collaborate with colleagues across the broader underwriting and medical underwriting communities to share expertise, insights, and best practices. Collaboration may expand to claims management activities.

Represent SCOR Global Life at industry events, conferences, and professional forums, enhancing market visibility and strengthening stakeholder relationships.

Provide underwriting support to other regions as required, in coordination with other markets within Continental Europe & Latin America.Actively contribute to internal AI and innovation initiatives, while staying abreast of developments in artificial intelligence and digital underwriting. Support the evaluation, testing and adoption of new technologies within the medical underwriting function and actively engage with the wider underwriting community to share insights and best practices.

Qualifications

• A minimum of 2-3 years underwriting experience with a certain authority to load, postpone and decline all classes of business.
• Excellent technical underwriting knowledge.
• Good analytical judgement, attention to detail and ability to document underwriting decisions clearly and consistently.
• Life & Health Insurance market and product knowledge
• Additional language skills relevant to other markets, such as Italian or Portuguese, would be an advantage.

About Us

As a leading global reinsurer, SCOR offers its clients a diversified and innovative range of reinsurance and insurance solutions and services to control and manage risk. Applying “The Art & Science of Risk,” SCOR uses its industry-recognized expertise and cutting-edge financial solutions to serve its clients and contribute to the welfare and resilience of society in around 160 countries worldwide.

Working at SCOR means engaging with some of the best minds in the industry – actuaries, data scientists, underwriters, risk modelers, engineers, and many others – as we work together to find solutions to pressing challenges facing societies.

As an international company, our common culture is defined by “The SCOR Way.” Serving both to build momentum that drives the Group forward and as a compass to guide our actions and choices, The SCOR Way is anchored by five core values, reflecting the input of employees at all levels of the Group. We care about clients, people, and societies. We perform with integrity. We act with courage. We encourage open minds. And we thrive through collaboration.

SCOR supports inclusion and the diversity of talents, and all positions are open to people with disabilities.