General Insurance Underwriter Lead

moneeinsure philippines; Philippines; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

moneeinsure philippines is seeking a General Insurance Underwriter Sub-lead to steer the GI and Life underwriting team in the Philippines. You will drive day-to-day operations, ensure accurate evaluations, and align decisions with risk appetite and service standards.

You'll mentor junior underwriters, implement process improvements, and collaborate with cross-functional partners to boost efficiency and customer experience in a fast-paced insurance environment.

Qualifications

• Bachelor's degree or equivalent required with 4-year curriculum.
• Completed Intermediate and Advanced Insurance Courses from IIAAP.
• Holding a valid Non-Life Underwriter registration (preferred).

Responsibilities

• Lead GI and Life underwriting operations; ensure timely, accurate processing.
• Manage work queues, priorities, and task allocation to optimize productivity.
• Monitor quality, turnaround times, and KPIs; implement corrective actions.
• Review complex referrals and non-standard risks within delegated authority.
• Validate premiums, limits, deductibles, exclusions, and policy terms.
• Provide technical guidance to underwriters; act as escalation point.
• Identify process improvements; develop SOPs and manuals; drive system changes.
• Coordinate UAT and readiness for product launches and underwriting enhancements.
• Ensure compliance with policies, regulations, and audit standards.
• Prepare management reports; monitor underwriting trends and performance.
• Collaborate with Product, Commercial, Operations on implementations.
• Mentor junior underwriters and foster continuous professional development.

Skills

Underwriting principles

Risk assessment

Policy terms

Pricing considerations

Deductibles & exclusions

Governance & compliance

Education

Bachelor's Degree / 4-Year Course

Intermed & Advanced Insurance Courses (IIAAP)

Non-Life Underwriter Registration Certificate

Job description

The General Insurance Underwriter Sub-lead is responsible for leading and overseeing the day-to-day operations of the underwriting team across both General Insurance (GI) and Life underwriting.

This role ensures timely, accurate, and consistent evaluation of insurance applications in alignment with the Company's underwriting philosophy, risk appetite, and service standards. The Sub-lead provides technical guidance to junior underwriters, manages complex and high-value GI and Life cases, drives process improvements, and collaborates with cross-functional teams to enhance operational efficiency and customer experience.

Job Description:

1. Lead Underwriting Operations

• Oversee the day-to-day underwriting operations, ensuring timely, accurate, and consistent processing of insurance applications in accordance with underwriting guidelines and service level agreements (SLAs).
• Manage underwriting work queues, prioritize workloads, and allocate tasks to optimize productivity and operational efficiency.
• Monitor underwriting quality, turnaround times, and operational performance, implementing corrective actions where necessary.

2. Provide Technical Underwriting Leadership

• Review and recommend decisions on complex underwriting referrals, exceptions, claims-related underwriting referrals, and non-standard risks within delegated authority.
• Validate underwriting decisions involving premiums, benefits, policy limits, deductibles, exclusions, and other underwriting parameters to ensure alignment with the Company's risk appetite and underwriting philosophy.
• Serve as the technical escalation point and provide guidance to underwriters on complex underwriting matters.

3. Drive Process, Systems, and Product Improvements

• Identify and recommend process improvements to enhance underwriting efficiency, quality, and customer experience.
• Develop and maintain underwriting manuals, standard operating procedures (SOPs), underwriting rules, and business requirements for system enhancements.
• Coordinate User Acceptance Testing, validate system and product configurations, and ensure operational readiness for new product launches and underwriting enhancements.

4. Ensure Operational Governance and Compliance

• Ensure underwriting activities comply with internal policies, underwriting guidelines, regulatory requirements, and audit standards.
• Prepare management reports, monitor operational KPIs, and analyze underwriting trends to support performance management and decision-making.
• Support internal audits, regulatory reviews, and partner escalations by preparing responses, gathering documentation, and providing technical case analyses.

5. Collaborate with Cross-Functional Stakeholders

• Partner with Product, Commercial, Operations, and other business units to support product implementation, underwriting enhancements, and operational initiatives.
• Provide underwriting expertise during product development, system changes, and strategic projects to ensure seamless implementation and operational effectiveness.

6. Develop Team Capability

• Provide technical leadership, coaching, and mentorship to junior underwriters to promote consistent underwriting practices and continuous professional development.
• Foster knowledge sharing, uphold underwriting standards, and contribute to a culture of operational excellence and continuous improvement.

JOB QUALIFICATIONS:

• Bachelor's Degree / 4-Year Course Graduate
• At least 5 years of relevant experience in insurance underwriting, preferably with exposure to both individual and/or group insurance products
• At least 1-2 years of experience in a senior, supervisory, team lead, or technical leadership capacity is preferred
• Strong knowledge of underwriting principles, risk assessment, policy terms and conditions, pricing considerations, limits, deductibles, exclusions, and underwriting controls
• Good understanding of Philippine insurance regulations, compliance requirements, and underwriting governance
• Completed Intermediate and Advanced Insurance Courses from the Insurance Institute for Asia and the Pacific
• Holding a valid Certificate of Registration as a Non-Life Company Underwriter issued by the Insurance Commission is preferred