General Insurance Underwriting Lead - Operations, MoneeInsure

Monee; Manila; On-site; PHP 900,000 - 1,300,000; Full time

Job summary

Monee is seeking a General Insurance Underwriter Sub-lead to oversee the GI and Life underwriting teams, ensuring timely and accurate evaluation of applications in line with risk appetite and service standards.

You will guide junior underwriters, manage complex cases, drive process improvements, and collaborate with cross-functional stakeholders to enhance efficiency and customer experience. A senior role with leadership responsibilities and regulatory awareness is required.

Qualifications

• Bachelor's degree or equivalent in a related field.
• 5+ years in insurance underwriting, GI/Life preferred.
• 1–2 years in senior/supervisory/lead roles preferred.
• Strong knowledge of underwriting principles, pricing, limits, deductibles and governance.
• Good grasp of Philippine insurance regulations and compliance.
• Insurance courses from recognized institutes completed.

Responsibilities

• Lead day-to-day GI and Life underwriting operations across teams.
• Provide technical guidance to junior underwriters and manage high-value cases.
• Drive process and product improvements with cross-functional partners.
• Ensure compliance with internal policies, SLAs, and audit standards.
• Collaborate with Product, Commercial, Operations for successful implementations.
• Develop team capability through coaching and mentorship.

Skills

Underwriting principles

Risk assessment

Policy terms & conditions

Pricing & limits

Governance & compliance

Leadership & mentorship

Cross-functional collaboration

Process improvement

Regulatory knowledge

Quality control

Education

Bachelor's Degree

Intermediate Insurance Courses

Advanced Insurance Courses

Non-Life Underwriter Registration (preferred)

Job description

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.

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.

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.

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.

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.

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.

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.

Requirements

• 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