Associate Manager - Commercial Line Underwriting - 2+ Years - Vadodara

Crescendo Global Leadership Hiring India; Vadodara; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Crescendo Global Leadership Hiring India is seeking an Associate Manager - Commercial Lines for Vadodara with 2-5 years of experience in non-motor retail underwriting. The role focuses on evaluating proposals, assessing risk, and ensuring profitable portfolio management for Property, Fire, Burglary, Engineering, and Miscellaneous lines.

Ideal candidates hold a graduate/postgraduate degree in Insurance or Risk Management and may have III certifications.

Qualifications

• Graduate/Postgraduate in Insurance, Risk Management, or a related field, with 25 years of experience in Non-Motor, Non-Health Retail Underwriting.
• Strong understanding of Property, Fire, Burglary, Engineering, and Miscellaneous Insurance products.
• Experience in risk assessment, proposal evaluation, underwriting decisions, policy terms, and pricing guidelines.
• Professional certifications such as Fellowship or Associateship from the Insurance Institute of India (III) will be preferred.

Responsibilities

• Evaluate and underwrite retail insurance proposals across Property, Fire, Burglary, Engineering, and Miscellaneous Insurance lines.
• Analyze risk exposures, coverage requirements, policy terms, and pricing to ensure appropriate risk selection.
• Ensure adherence to underwriting guidelines, pricing models, regulatory requirements, and internal policies.
• Monitor portfolio performance, analyze loss ratios, identify adverse trends, and recommend corrective actions to improve profitability.
• Provide technical underwriting support to channel partners and intermediaries.
• Maintain accurate underwriting records and documentation while ensuring compliance with IRDAI regulations and internal audit requirements.
• Provide feedback on product features, emerging risks, and market trends to support product development and innovation.

Skills

Retail Underwriting

Property Insurance

Fire Insurance

Burglary Insurance

Engineering Insurance

Risk Assessment

Miscellaneous Insurance

Education

Graduate/Postgraduate in Insurance, Risk Management, or a related field

Tools

MS Office

Job description

Associate Manager - Commercial Lines - 2-5 Years - Vadodra

We are hiring a Associate Manager - Commercial Lines - 2-5 Years for a leading General Insurance company. This role is ideal for professionals with experience in Retail Underwriting, Property Insurance, Fire Insurance, Burglary, Engineering, Risk Assessment, and Miscellaneous Insurance Products who can evaluate insurance proposals, ensure sound risk selection, and contribute to portfolio profitability.

Location

Vadodra, Gujarat

Your Future Employer

A leading General Insurance organization offering opportunities to work across non-motor, non-health retail insurance products, assess diverse risk exposures, and contribute to sustainable portfolio growth and profitability.

Responsibilities

1. Evaluate and underwrite retail insurance proposals across Property, Fire, Burglary, Engineering, and Miscellaneous Insurance lines.
2. Analyze risk exposures, coverage requirements, policy terms, and pricing to ensure appropriate risk selection.
3. Ensure adherence to underwriting guidelines, pricing models, regulatory requirements, and internal policies.
4. Monitor portfolio performance, analyze loss ratios, identify adverse trends, and recommend corrective actions to improve profitability.
5. Provide technical underwriting support to channel partners and intermediaries.
6. Maintain accurate underwriting records and documentation while ensuring compliance with IRDAI regulations and internal audit requirements.
7. Provide feedback on product features, emerging risks, and market trends to support product development and innovation.

Requirements

1. Graduate/Postgraduate in Insurance, Risk Management, or a related field, with 25 years of experience in Non-Motor, Non-Health Retail Underwriting.
2. Strong understanding of Property, Fire, Burglary, Engineering, and Miscellaneous Insurance products.
3. Experience in risk assessment, proposal evaluation, underwriting decisions, policy terms, and pricing guidelines.
4. Professional certifications such as Fellowship or Associateship from the Insurance Institute of India (III) will be preferred.

What's in it for You –

1. Opportunity to work with a reputed General Insurance organization.
2. Exposure to diverse non-motor, non-health retail insurance products and risk assessment practices.
3. Opportunity to contribute to underwriting strategy, portfolio profitability, and product development.
4. Scope to strengthen technical underwriting expertise and build a career in General Insurance.

Disclaimer –

Crescendo Global specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging and memorable job search and leadership hiring experience. Crescendo Global does not discriminate based on race, religion, colour, origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Note:

We receive many applications daily, so it becomes difficult to get back to every applicant. If you do not hear from us within one week, please assume your profile has not been shortlisted. Your patience is highly appreciated.

Keywords –

General Insurance, Retail Underwriting, Non-Motor Underwriting, Non-Health Insurance, Non-Motor Retail Lines, Property Insurance, Fire Insurance, Burglary Insurance, Engineering Insurance, Miscellaneous Insurance, Risk Assessment, Risk Evaluation, Proposal Evaluation, Underwriting Guidelines, Underwriting Decisions, Insurance Pricing, Policy Terms, Coverage Assessment, Portfolio Management, Portfolio Profitability, Loss Ratio Analysis, Risk Selection, Underwriting Compliance, IRDAI Regulations, Underwriting Documentation, Technical Underwriting, Intermediary Management, Channel Partner Support, Product Development, Market Trends, Risk Management, Insurance Institute of India, III Certification, MS Office, Crescendo Global.