Manager Retail Health Underwriting

Acko; Bengaluru; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

ACKO is seeking an accomplished Manager - Health Underwriting to lead a dynamic team of 10-12 doctors. This role guides underwriting judgments, ensures strict adherence to processes, and ensures timely task completion while resolving complex customer queries with sound medical judgment.

The role requires deep expertise in medical underwriting, including independent interpretation of ECG and TMT, and the ability to scale capabilities through mentoring and cross-functional collaboration.

Qualifications

• Independent ECG and TMT interpretation essential for risk assessments.
• Strong clinical judgment to handle complex underwriting cases.
• 5+ years in health insurance underwriting with depth of expertise.
• 2+ years leading an underwriting team.
• Proficiency in Hindi and English for diverse stakeholders.
• Analytical mindset using underwriting systems and reporting tools.
• Experience managing complex referrals and customer queries.

Responsibilities

• Review complex medical cases and high-risk referrals for accurate risk decisions.
• Interpret ECG, TMT, and labs to inform underwriting decisions.
• Mentor a team of doctors to maintain quality and productivity.
• Allocate work to ensure timely completion within SLAs.
• Conduct quality audits and implement corrective actions.
• Guide team in resolving customer queries and improving satisfaction.
• Collaborate with cross-functional teams to ensure compliance and processes.
• Identify and implement process improvements for efficiency.

Skills

ECG interpretation

TMT interpretation

Clinical judgment

Underwriting leadership

Hindi & English

Analytical mindset

Referrals handling

Tools

Underwriting systems

Reporting tools

Job description

About Us

ACKO is the protection destination for over 200 million tech-savvy families across India, protecting their families, assets and money. Launched in 2016, ACKO started by reimagining insurance, making it simple, hassle-free and customer-first. Today, our mission goes beyond that: we aim to touch the lives of 1 million users, building products that solve real-world problems with technology at the core.

We are not just another insurance company, our DNA is product-tech, and our approach is bold, innovative, and digital-first. From zero commission, zero paperwork, and instant renewals to same-day claims settlements and app-based tracking, ACKO is a Welcome Change from traditional insurers.

But what truly sets us apart? Our people. At ACKO, every Ackers voice and ideas matter. Were a vibrant, inclusive team of creators, thinkers, and doers, building products that redefine protection while ensuring each Acker grows, thrives and does meaningful work.

Join us at ACKO, where bold ideas, real impact and tech-driven innovation redefine protection and peace of mind - and where YOU can make a real difference in people's lives. ACKO is a product-tech company, launched in 2016, solving real-world problems for customers, starting with insurance. And as a customer-first organization serving the digitally-savvy, ACKOs value proposition of Welcome Change focuses on offerings that make insurance simple and hassle-free! With features such as zero commission, zero paperwork, instant renewal, same-day claim settlements, and app-based updates on claims, ACKO is a 'Welcome Change' from traditional insurers.

Having said that, we are not just another conventional insurance firm, or the people consulted solely for "claims! Anchored in a tech-centric philosophy, ACKO’s approach fuels innovation, empowering us to develop comprehensive products that cater to every aspect of our customers' insurance requirements. And while we are at it, we put our Ackers at the heart of everything we do. We're not your typical 9-to-5 workplace; we’re a vibrant and inclusive bunch of innovators and creators making sure every

Role overview

At ACKO, we are seeking an accomplished Manager - Health Underwriting to lead a dynamic team of 10-12 doctors. This role is pivotal in guiding the team through comprehensive underwriting judgments, ensuring strict adherence to processes, and timely task completion. Your expertise will be critical in resolving complex customer queries and making sound medical underwriting decisions.

The role demands a deep understanding of medical underwriting, including independent interpretation of ECG and TMT. This position is integral to maintaining high-quality decision-making and supporting the continuous development of our underwriting capabilities.

Skills & Qualification

• Proficiency in independent ECG and TMT interpretation, essential for accurate risk assessments
• Strong clinical judgment and decision-making skills to handle complex underwriting cases
• Minimum 5 years of dedicated health insurance underwriting experience, ensuring depth of expertise
• At least 2 years of experience leading an underwriting team, demonstrating leadership capabilities
• Proficiency in Hindi and English for effective communication with diverse stakeholders
• Analytical mindset with ease in using underwriting systems and reporting tools for efficiency
• Experience managing complex referrals and resolving intricate customer queries

Responsibilities

• Review complex medical cases and high-risk referrals, ensuring precise risk decisions
• Interpret ECG, TMT, and laboratory reports independently to inform accurate underwriting decisions
• Manage and mentor a team of doctors to maintain high-quality decisions and productivity
• Allocate work effectively, ensuring all tasks are completed within service level agreements
• Conduct quality audits to identify errors and implement corrective measures for improvement
• Guide the team in resolving customer queries, enhancing customer satisfaction and clarity
• Collaborate with cross-functional teams to ensure adherence to underwriting guidelines and compliance and process enhancements
• Identify and implement process improvements to enhance efficiency and customer experience