Quality Compliance Analyst

EXL Service Philippines, Inc.; Pasay; On-site; PHP 360,000 - 540,000; Full time

Job summary

EXL Service Philippines, Inc. is seeking an Insurance Pricing Analyst to handle rating requests, data review, and proposal generation in collaboration with Sales and Inventory teams.

The role focuses on accurate pricing using rating engines, census data, and plan designs, ensuring compliance with underwriting guidelines. Responsibilities include preparing quotes for RFPs, applying pricing adjustments, and maintaining documentation of ratings and calculations.

Qualifications

• 2+ years in customer service or operations, preferably within insurance/financial services.
• Experience in data entry and email back-office roles.

Responsibilities

• Receive complete and IGO quote requests and evaluate.
• Review submission details, census data, plan designs, and coverage requirements to determine rating methodology.
• Perform census analysis using Excel, including data validation and data anomalies impact.
• Execute quotes utilizing rating engines and underwriting guidelines.
• Apply rating mathematics including benefit calculations, age-band analysis, and rounding conventions.
• Develop manual rates for RFPs and complex scenarios when system rating is not applicable.
• Create professional, accurate proposal documents based on rates.
• Deliver quotes to Sales teams to support competitive positioning.
• Partner with Sales to clarify assumptions and pricing impacts.
• Support revisions and requotes within defined turnaround times.
• Maintain documentation of rating decisions and calculations.

Skills

Excel

Data analysis

Pricing

Rating engines

Underwriting guidelines

Customer service

Tools

Rating engines

Underwriting systems

Job description

• Receive complete and IGO (In-Good-Order) quote requests and RFP submissions from the Inventory Management team through the rating system.
• Review submission details, census data, plan designs, and coverage requirements to determine the appropriate rating methodology.
• Perform census analysis using Excel, including data validation, normalization, headcount reconciliation, eligibility verification, and identification of data anomalies impacting rates.
• Execute quotes utilizing rating engines, tools, and underwriting guidelines across supported Group Insurance product lines.
• Apply rating mathematics, including benefit calculations, tiering logic, age-band analysis, composite rate development, load application, and rounding conventions.
• Develop manual rates for RFPs and complex or exception scenarios when system rating is not applicable, clearly documenting assumptions and calculations.
• Apply approved pricing adjustments, discounts, and rate guarantees in line with underwriting authority, financial targets, and competitiveness guidelines.

Responsibilities

• Evaluate risk characteristics, plan design, census demographics, and historical information to support accurate pricing decisions.
• Identify potential underwriting concerns, data anomalies, or risk factors and escalate appropriately.
• Ensure ratings comply with underwriting rules, regulatory requirements, and internal policies.
• Create professional, accurate, and customer-ready proposal documents based on completed rates.
• Deliver primary and alternative quotes as requested by Sales teams to support competitive positioning.
• Partner closely with Sales representatives to clarify assumptions, plan designs, and pricing impacts.
• Support revisions, requotes, and iterations within defined turnaround times.
• Manage assigned rating inventory effectively to meet productivity, accuracy, and service-level expectations.
• Maintain awareness of overall workload, priority quotes, and aging to support business timelines.
• Ensure clear documentation of rating decisions, assumptions, and calculations within rating systems.
• Partner with Inventory Management, Sales teams, Management and onshore partners to resolve data or submission questions impacting rating outcomes.
• Route appeals and out-of-scope scenarios to onshore or senior underwriting teams per defined escalation protocols. Actively participate in team discussions, knowledge sharing, and peer reviews.

Work Experience Requirements

• 2+ years of prior customer service or operations experience OR with senior CSR roles, preferably within insurance and financial services.
• Experience in data entry and email back-office roles