Underwriting Auditor New Bangalore, India

Ethos; Bengaluru; On-site; INR 900,000 - 1,400,000; Full time

Job summary

Ethos, a leading life insurance technology company, is seeking an Underwriting Quality Auditor to ensure the accuracy, consistency, and compliance of underwriting decisions. You will conduct structured case audits, identify quality gaps, and drive improvements across underwriting.

Key responsibilities include auditing cases against guidelines, tracking quality metrics, providing feedback to underwriters, spotting trends, and partnering with training and process teams to enhance SOPs and enable

Qualifications

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

Responsibilities

• Audit underwriting cases for risk decisions, evidence, and document quality against guidelines.
• Track and report quality metrics like error rates and SLA compliance.
• Provide feedback and coaching to underwriters.
• Identify trends in errors and elevate systemic issues to leadership.
• Collaborate with training teams to identify needs.
• Contribute to process improvements and automation initiatives.

Skills

Attention to detail

Analytical thinking

Feedback & reporting

Underwriting guidelines

Education

Medicine or related field (MBBS/Nursing/Pharma)

Tools

MS Excel

APS/EHR/Lab Piq interpretation

Job description

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.

Duties 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 managing Underwriting 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

#LI-Onsite

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.