Non-Life Insurance Underwriter Lead

MONEE (CREDIT) FINANCE PHILIPPINES, INC.; Mandaluyong; On-site; PHP 800,000 - 1,200,000; Full time

Job summary

MONEE (CREDIT) FINANCE PHILIPPINES, INC. is seeking a General Insurance Underwriter Sub-lead to oversee GI and Life underwriting operations and guide junior underwriters to ensure timely, accurate evaluation of applications in line with risk appetite and service standards.

You will manage work queues, monitor quality and SLA adherence, and drive process improvements while collaborating with cross-functional teams to boost efficiency and customer experience.

Qualifications

• Bachelor's degree or equivalent in a related field.
• At least 5 years in insurance underwriting, including GI and Life.
• 1–2 years in senior, supervisory, or technical leadership roles.
• Solid knowledge of underwriting principles, risk assessment, and policy terms.
• Understanding of Philippine insurance regulations and underwriting governance.
• IIAP or equivalent insurance courses completed.
• Certificate of Registration as a Non-Life Company Underwriter preferred.

Responsibilities

• Oversee day-to-day underwriting operations per SLAs.
• Manage underwriting work queues and allocate tasks.
• Monitor quality, turnaround times, and performance.
• Review complex referrals and non-standard risks within delegated authority.
• Validate decisions on premiums, limits, deductibles, exclusions, and other underwriting parameters.
• Provide technical escalation and guidance to underwriters on complex matters.
• Identify and implement process improvements to enhance efficiency and customer experience.
• Develop and maintain underwriting manuals, SOPs, and business rules for system enhancements.
• Ensure compliance with internal policies, underwriting guidelines, regulatory requirements and audit standards.
• Coach and mentor junior underwriters to promote consistent practices.

Skills

Underwriting principles

Risk assessment

Policy terms & conditions

Pricing considerations

Regulatory knowledge

Education

Bachelor's Degree / 4-Year Course

Intermediate and Advanced Insurance Courses (IIAP)

Job description

About the role

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.

Key responsibilities

• 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

• 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

• 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

• Ensure underwriting activities comply with internal policies, underwriting guidelines, regulatory requirements, and audit standards

• Provide technical leadership, coaching, and mentorship to junior underwriters to promote consistent underwriting practices and continuous professional development

About you

• 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