Head of Underwriting

WHR Global Consulting; Muntinlupa; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

A leading consultancy firm is seeking a Head of Underwriting in Muntinlupa City. This role requires over 10 years of underwriting experience, including 3 years in a senior position. The candidate will lead underwriting strategies, ensure compliance, and optimize risk management across various insurance products. Strong knowledge of Philippine regulations and digital insurance products is essential. This full-time position emphasizes innovative and strategic thinking to support the firm's growth.

Qualifications

• 10+ years of underwriting experience, with 3+ years in senior leadership.
• Strong background in General Insurance including Motor, Property, Health.
• Experience with digital insurance products and partnership-driven models.
• Solid understanding of Philippine insurance regulations.

Responsibilities

• Define and execute underwriting strategies aligned with business objectives.
• Oversee portfolio performance, loss ratios, and profitability metrics.
• Act as underwriting authority for key partnerships and digital platforms.
• Ensure compliance with Insurance Commission regulations.

Skills

Underwriting experience

Strong commercial acumen

Excellent negotiation skills

Data-driven decision-making

Education

Bachelor's degree in Insurance, Finance, Business, Mathematics, or related field

Master's degree (preferred)

Job description

Job Description

POSITION TITLE: Head of Underwriting

WORK LOCATION: ? Muntinlupa City (On-site)

EMPLOYMENT STATUS: Full-time | Day Shift

? JOB SUMMARY: The Head of Underwriting is responsible for leading and overseeing the underwriting strategy across all lines of business. This role ensures profitability, risk discipline, and regulatory compliance while aligning with a digital-first and partnership-driven growth strategy. You will play a critical role in balancing innovation with sound risk management to drive the company’s long-term success.

Key Responsibilities

• Underwriting Strategy & Governance:
  • Define and execute underwriting strategies aligned with business objectives and risk appetite.
  • Establish underwriting guidelines, pricing frameworks, authority limits, and acceptance criteria.
  • Ensure consistent underwriting practices across all products, channels, and partnerships.
• Portfolio & Risk Management:
  • Oversee portfolio performance, loss ratios, exposure accumulation, and profitability metrics.
  • Collaborate with Actuarial, Claims, and Finance teams to optimize pricing and reserving.
  • Identify emerging risks and recommend proactive mitigation strategies.
• Product, Partnership & Operations:
  • Act as the underwriting authority for key partnerships, digital platforms, and embedded insurance arrangements.
  • Support product development initiatives from a risk and underwriting perspective.
  • Drive process efficiency and automation to support fast turnaround times without compromising risk quality.
  • Review and approve complex, high-value, or non-standard risks.
• Compliance & Leadership:
  • Ensure full compliance with Insurance Commission regulations and internal governance standards.
  • Lead, coach, and develop the underwriting team, fostering a culture of accountability and innovation.
  • Build underwriting capabilities to support growth across both traditional and digital channels.

Job Qualifications

✅ QUALIFICATIONS:

• Experience: At least 10+ years of underwriting experience, with at least 3+ years in a senior leadership role.
• Industry Background: Strong background in General Insurance (e.g., Motor, Property, Health, Personal & Commercial Lines).
• Innovation Experience: Proven experience working with digital insurance products and partnership-driven distribution models.
• Education: Bachelor’s degree in Insurance, Finance, Business, Mathematics, or a related field (Master’s degree preferred).
• Regulatory Knowledge: Solid understanding of Philippine insurance regulations and market dynamics.

? KEY COMPETENCIES:

• Strategic Thinking: Strong commercial acumen combined with deep risk discipline.
• Technical Expertise: Advanced underwriting and pricing expertise across multiple lines.
• Data-Driven: Ability to leverage data for decision-making in a fast-paced environment.
• Communication: Excellent negotiation skills and the ability to manage diverse stakeholders.