Risk & Underwriting Associate Analyst - Cigna Healthcare

Cigna; Glasgow; Hybrid; GBP 40,000 - 56,000; Full time

Benefits offered by this job

Competitive salary

Multicultural and hybrid working env

Private Medical Insurance

Employee Wellbeing Benefits

Educational Development Program

Job summary

Cigna Healthcare in Glasgow is seeking a Risk and Underwriting Associate Analyst to join the SME Underwriting team. You will assess financial risk, monitor SME contract performance, and collaborate with Sales and Client Management to negotiate terms for new business and renewals.

You’ll work across Finance, Actuarial, Systems, Legal Services and Operations to understand the international business unit and report to the Underwriting Senior Supervisor.

Qualifications

• High level of numeracy with ability to identify and analyse problems.
• Strong negotiation and influencing skills.
• Effective organisational and time management skills.
• Good knowledge of processes, procedures and systems, plus business and product knowledge.
• Strong attention to detail and clear communication.
• Ability to take responsibility, adapt, and work in a fast-paced environment.

Responsibilities

• Perform and review risk assessments for SME cases to support underwriting decisions.
• Negotiate terms with Sales and Client Management for new business and renewals.
• Monitor earnings plans to support growth and profitability.
• Analyse portfolio performance and provide feedback for portfolio management.
• Support Experience Underwriters with large group cases and complex schemes.
• Mentor junior team members and support their development.
• Provide monthly reports to stakeholders and collaborate with various departments.

Skills

Numeracy

Negotiation

Organisation

Attention to detail

Problem identification and analysis

Job description

About Cigna Healthcare

Cigna Healthcare is a global health service company dedicated to transforming healthcare. With roots in the U.S. and operations in over 30 countries, we serve more than 180 million customers and patients worldwide.

Ranked 14th on the Fortune 500 in 2026, Cigna is recognized as one of the most trusted and influential names in the industry.

Our mission is to improve the health, well-being, and peace of mind of those we serve.

You’ll join a globally recognized organization where trust, clear communication, and a positive culture shape how we work. Our leaders are consistent, approachable, and supportive, helping you maintain balance while doing meaningful work.

We look for people who thrive in collaborative environments, care about meaningful change, and want to grow in a company that puts people first. At Cigna Healthcare, your work contributes to better care experiences and supports customers through important moments in their lives.

About the Role

As a Risk and Underwriting Associate Analyst, you'll join the SME Underwriting team based in Glasgow, supporting new business quotes and renewals across the SME book of business.

You’ll assess financial risk, monitor the performance of SME contracts, and work with Sales and Client Management to discuss and negotiate terms. You’ll develop an understanding of the international business unit and work across departments including Finance, Actuarial, Systems, Legal Services and Operational teams.

You’ll report to the Underwriting Senior Supervisor.

What You’ll Do

• Perform and review case-specific risk assessments within GEH, identifying financial risks to support underwriting decisions.
• Negotiate terms with Sales and Client Management to support new business and renewal activity.
• Monitor account earnings plans to support growth and profitability.
• Analyse portfolio performance and provide detailed feedback to support effective portfolio management.
• Support Experience Underwriters with large group cases and manage complex schemes, including partnerships, top-ups and combined propositions.
• Mentor junior team members and support their development.
• Provide monthly reports to key stakeholders and work across relevant departments to support effective delivery.

What You’ll Bring

• A high level of numeracy and the ability to identify and analyse existing or potential problems.
• Strong negotiation and influencing skills.
• Effective organisational and time management skills.
• Good knowledge of relevant processes, procedures and systems, alongside good business and product knowledge.
• Strong attention to detail and clear communication skills.
• The ability to take responsibility for achieving goals, adapt when problems arise and work effectively in a fast-paced environment.

Skills

Soft Skills

• Communication
• Negotiation and influencing
• Organisation and time management
• Attention to detail
• Problem identification and analysis
• Responsibility and adaptability

Technical / Functional Skills

• Case-specific risk assessment within GEH
• Account earnings and profitability monitoring
• Portfolio performance analysis
• Business and product knowledge
• Knowledge of relevant processes, procedures and systems
• Monthly stakeholder reporting
• Management of complex schemes, including partnerships, top-ups and combined propositions

Why Join Us

• Competitive salary
• Multicultural and hybrid working environment
• Private Medical Insurance
• Employee Wellbeing Benefits
• Educational Development Program

About Cigna Healthcare

Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives.

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

If you require reasonable accommodation in completing the online application process, please email: [e-mail] for support. Do not email [e-mail] for an update on your application or to provide your resume as you will not receive a response.