Underwriting Lead, MoneeInsure

MoNeed; Philippines; On-site; PHP 700,000 - 1,000,000; Full time

Job summary

MoNeed is seeking an Underwriting Sub-lead to oversee the GI and Life underwriting teams in daily operations, ensure timely processing of insurance applications, and uphold underwriting guidelines.

The role provides technical leadership, drives process and system improvements, supports governance and audits, and collaborates across Product, Commercial, Operations, Technology, and Claims to deliver reliable, compliant outcomes.

Qualifications

• Bachelor's degree required.
• 3–6 years of underwriting experience.
• Strong analytical and risk assessment abilities.
• Excellent communication and negotiation skills.
• Underwriting certification is a plus.
• Strong leadership and team supervision experience.

Responsibilities

• Lead and oversee day-to-day underwriting operations across GI and Life to ensure timely, accurate processing per guidelines and SLAs.
• Provide technical underwriting leadership; review complex referrals and validate premium, limits, deductibles, and other parameters.
• Drive process, systems, and product improvements; develop SOPs and coordinate UAT for new launches.
• Ensure governance and compliance; prepare reports, monitor KPIs, support audits and regulatory reviews.
• Collaborate with Product, Commercial, Operations, Technology, Claims, and other units to support product implementation and enhancements.
• Develop team capability through coaching, mentorship, and knowledge sharing to uphold underwriting standards.

Skills

Underwriting leadership

Risk assessment

Analytical thinking

Decision making

Communication skills

Team leadership

Education

Bachelor's degree

Job description

Job Description

The Underwriting 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.

Duties and Responsibilities

• 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, Technology, Claims, 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
• At least 3-6 years of experience in Underwriting
• Good analytical, risk assessment, and decision-making skills
• Strong communication, interpersonal, and negotiation skills
• Underwriting certification/exam is an advantage
• Strong Leadership Skills with experience in supervising a team