Underwriting Auditor

Ethos; Bengaluru; On-site; INR 900,000 - 1,200,000; Full time

Job summary

Ethos is looking for an Underwriting Quality Auditor in Bengaluru, India, to ensure the accuracy and compliance of underwriting decisions. The role involves auditing cases, tracking quality metrics, and collaborating on training initiatives. Candidates should have over 5 years of experience in Life/Health Insurance Underwriting, strong analytical skills, and proficiency in MS Excel. We are committed to equal opportunity employment, emphasizing a diverse workplace.

Qualifications

• >5 years in Life/Health Insurance Underwriting with exposure to quality or audit functions.
• Strong knowledge of APS/EHR/Lab Piq interpretation and US based underwriting guidelines.

Responsibilities

• Audit underwriting cases to evaluate risk decisions and documentation quality.
• Track and report quality metrics — error rates and SLA compliance.
• Provide structured feedback and support coaching interventions for underwriters.

Skills

Attention to detail

Analytical thinking

Communication skills

Proficiency in MS Excel

Education

Graduate/Postgraduate in Medicine or related field

Job description

About Ethos
Ethos is a leading life insurance technology company on a mission to protect families by democratizing access to life insurance and empowering agents at scale. With its robust three-sided technology platform, Ethos is transforming the life insurance experience for consumers, agents, and carriers alike. Ethos offers instant, accessible products and a seamless online process that requires no medical exams and just a few health questions; it eliminates traditional barriers, making it easier than ever for everyone to protect their families. Ethos is redefining how life insurance is bought, sold, and underwritten.

About The Role

The Underwriting Quality Auditor ensures the accuracy, consistency, and compliance of underwriting decisions by conducting structured case audits, identifying quality gaps, and driving continuous improvement across the underwriting function.

Roles And Responsibilities

• Audit underwriting cases to evaluate risk decisions, evidence utilization, and documentation quality against carrier guidelines and SOPs
• Track and report quality metrics — error rates, decision accuracy, and SLA compliance
• Provide structured feedback and support coaching interventions for underwriters
• Identify trends in errors and evidence quality; elevate systemic issues to leadership
• Collaborate with training team on identifying training needs
• Contribute to process improvement, SOP enhancement, and automation initiatives

Qualifications And Skills

• Graduate/Postgraduate in Medicine, or related field (M Pharma / Nursing/MBBS preferred)
• >5 years in Life/Health Insurance Underwriting with exposure to quality or audit functions
• Strong knowledge of APS/EHR/Lab Piq interpretation and US based underwriting guidelines
• High attention to detail and analytical thinking
• Strong communication for feedback and reporting
• Proficiency in MS Excel for trend analysis and scorecards

We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records. To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.