Underwriter

AIA Shared Services; Auckland; Hybrid; NZD 85,000 - 120,000; Full time

Benefits offered by this job

Flexible working

Learning programs

Career development opportunities

Job summary

AIA in Auckland, New Zealand, is seeking an experienced Underwriter to assess medical and financial risk and make fair underwriting decisions. You will support advisers, customers, and partners while applying guidelines and collaborating with colleagues to protect the company from undue risk.

You will build trusted relationships through clear communication and sound judgment, explaining decisions to ensure transparency and drive policy conversion.

Qualifications

• 3+ years of experience in medical and financial underwriting.
• Ability to assess risk and determine appropriate terms using sound judgement.
• Strong communication and stakeholder engagement.
• Attention to detail and accurate documentation across systems.
• Experience contributing to process improvements that enhance efficiency and service quality.

Responsibilities

• Assess medical and financial information to make fair underwriting decisions.
• Build trusted relationships with advisers, customers, and internal stakeholders through clear communication.
• Explain underwriting decisions to support understanding and policy conversion.
• Apply underwriting guidelines, authority limits, and reinsurance requirements consistently.
• Identify potential non-disclosures and protect integrity of underwriting decisions.
• Share knowledge and contribute to continuous improvement initiatives.

Skills

Medical underwriting

Financial underwriting

Risk assessment

Communication

Attention to detail

Process improvement

Job description

Your Role with Us

As an Underwriter at AIA, you play a key role in helping people access insurance cover by making fair, balanced, and customer-focused underwriting decisions. Working within the Customer division, you assess medical and financial risk for both new and existing business while supporting positive outcomes for customers, advisers, and partners. You build trusted relationships through clear communication, thoughtful decision-making, and excellent service, while protecting AIA from undue risk. Collaborating with experienced underwriters, medical professionals, and reinsurers, you contribute to continuous improvement, share knowledge with colleagues, and grow your expertise in a supportive and values-driven environment.

Your Impact

• Assess medical and financial information to make sound, fair underwriting decisions that balance customer needs with risk outcomes
• Build trusted relationships with advisers, customers, and internal stakeholders through responsive, clear, and professional communication
• Explain underwriting decisions confidently to support understanding, transparency, and policy conversion
• Apply underwriting guidelines, authority limits, and reinsurance requirements consistently to maintain quality and compliance standards
• Identify potential non-disclosures and take appropriate action to protect the integrity of underwriting decisions
• Support the development of colleagues by sharing knowledge, encouraging collaboration, and contributing to continuous improvement initiatives

Your Capabilities

• You have 3+ years of experience in medical and financial underwriting and use sound judgement to assess risk and determine appropriate terms
• You bring strong critical thinking skills and analyse complex information from multiple sources to make balanced decisions
• You are a confident communicator and presenter, able to engage audiences and develop strong, productive stakeholder relationships
• You bring a customer-focused mindset and consistently deliver high-quality outcomes while managing risk effectively
• You have strong attention to detail and maintain accurate documentation across systems and underwriting platforms
• You may also have a relevant qualification and experience contributing to process improvements that enhance efficiency and service quality

Your Life at AIA

At AIA, your experience matters, and so does your impact. In return for your expertise, we offer a career where you can apply your skills to meaningful work that improves lives across Asia-Pacific. You’ll enjoy flexible ways of working, competitive rewards, and access to continuous learning programs designed to keep you ahead in a rapidly changing world. Our collaborative culture values your ideas and empowers you to innovate, solve complex challenges, and contribute to our ambition of helping a billion people live Healthier, Longer, Better Lives by 2030.

DEIB

Diversity, equity, and inclusion are central to who we are and how we work. We value people from all walks of life and welcome candidates of all backgrounds, identities, and lived experiences, including those with disabilities, additional mental health needs, chronic health conditions, or who are neurodiverse. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. And if there’s anything we can do to support you during the recruitment process, please contact us at [e-mail].

You must provide all requested information, including Personal Data, to be considered for this career opportunity. Failure to provide such information may influence the processing and outcome of your application. You are responsible for ensuring that the information you submit is accurate and up-to-date.

"Better" starts with people who reimagine what is possible and turn ideas into meaningful action. At AIA, you will contribute in your own way, help shape outcomes that matter and collaborate with colleagues across disciplines, teams, markets and levels. We will support you to broaden your perspective, strengthen your capabilities and grow your impact. Together, we challenge assumptions, learn from one another and find better ways forward. Bring your ambition, experience and ideas to AIA, and help shape what “better” looks like.