Motor Underwriting - 5-8 Years - Mumbai

Crescendo Global Leadership Hiring India; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Crescendo Global is recruiting a Motor Underwriting professional for a Mumbai-based role within a new-age general insurance venture. The position focuses on risk assessment, pricing, and profitability across motor portfolios.

Ideal candidates will have 5+ years of Motor Underwriting experience, strong analytical skills, and the ability to balance growth with sound risk management in a dynamic environment.

Qualifications

• Relevant experience in Motor Insurance Underwriting within a General Insurance company.
• Strong understanding of motor insurance products, risk assessment, pricing, and underwriting guidelines.
• Knowledge of claims trends, loss ratios, and portfolio profitability.
• Strong analytical, decision-making, and stakeholder management skills.
• Balance business growth with risk management and underwriting profitability; 5+ years preferred.

Responsibilities

• Evaluate and underwrite motor insurance proposals across private cars, two-wheelers, and commercial vehicles.
• Assess risk profiles, vehicle details, claims history, and other parameters to determine underwriting terms and pricing.
• Ensure adherence to underwriting guidelines, pricing frameworks, regulatory requirements, and internal risk policies.
• Coordinate with sales teams, brokers, intermediaries, and distribution partners to support growth while maintaining discipline.
• Monitor portfolio performance, loss ratios, claims trends, and underwriting profitability; recommend corrective actions.
• Review underwriting deviations, assess exceptions, and ensure approvals for non-standard risks.
• Collaborate with claims, actuarial, product, and operations to improve underwriting quality and portfolio outcomes.
• Support process improvements, product enhancements, and effective underwriting practices.

Skills

Motor Underwriting

Risk Assessment

Premium Pricing

Portfolio Management

Loss Ratio Analysis

Underwriting Profitability

Job description

Motor Underwriting Mid-Level – 5+ Years – Mumbai

We are hiring a Motor Underwriting professional for a new-age General Insurance venture. This role is ideal for professionals with experience in Motor Insurance Underwriting, Risk Assessment, Premium Pricing, Portfolio Management, Loss Ratio Analysis, and Underwriting Profitability who can balance business growth with effective risk management.

Location – Mumbai

Your Future Employer – A new-age general insurance venture focused on delivering customer-centric, technology-enabled insurance solutions across motor, health, and commercial insurance.

Responsibilities –

1. Evaluate and underwrite motor insurance proposals across private cars, two-wheelers, and commercial vehicles.
2. Assess risk profiles, vehicle details, claims history, and other relevant parameters to determine appropriate underwriting terms, conditions, and pricing.
3. Ensure adherence to underwriting guidelines, pricing frameworks, regulatory requirements, and internal risk policies.
4. Coordinate with sales teams, brokers, intermediaries, and distribution partners to support business growth while maintaining underwriting discipline.
5. Monitor portfolio performance, loss ratios, claims trends, and underwriting profitability, and recommend corrective actions where required.
6. Review underwriting deviations, assess exceptions, and ensure appropriate approvals for non-standard risks.
7. Collaborate with claims, actuarial, product, and operations teams to improve underwriting quality and portfolio outcomes.
8. Support process improvements, product enhancements, and the development of effective underwriting practices.

Requirements –

1. Relevant experience in Motor Insurance Underwriting within a General Insurance company.
2. Strong understanding of motor insurance products, risk assessment, pricing, and underwriting guidelines.
3. Knowledge of claims trends, loss ratios, and portfolio profitability.
4. Strong analytical, decision-making, and stakeholder management skills.
5. Ability to balance business growth with risk management and underwriting profitability.
6. Professionals with 5+ years of relevant Motor Underwriting experience are preferred, with the ability to handle underwriting decisions and portfolio performance.

What's in it for You –

1. Opportunity to work with a new-age General Insurance venture backed by the M Pallonji Group and Federal Bank.
2. Exposure to motor underwriting, risk assessment, pricing strategies, and portfolio management.
3. Opportunity to contribute to underwriting practices, business growth, and portfolio profitability.
4. Work with cross-functional teams across claims, actuarial, product, sales, and operations.

Disclaimer –

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 –

Motor Underwriting, Motor Insurance, General Insurance, Motor Risk Assessment, Underwriting Guidelines, Premium Pricing, Underwriting Strategies, Private Car Insurance, Two-Wheeler Insurance, Commercial Vehicle Insurance, Claims History, Loss Ratio Analysis, Portfolio Profitability, Portfolio Management, Risk Management, Underwriting Decisions, Underwriting Exceptions, Non-Standard Risks, Claims Trends, Pricing Frameworks, Regulatory Compliance, Broker Management, Intermediary Management, Distribution Partners, Business Growth, Underwriting Discipline, Claims Coordination, Actuarial Coordination, Product Enhancement, Process Improvement, Stakeholder Management, Protec General Insurance, Crescendo Global.