KSA Underwriting Lead Analyst - Cigna Healthcare

Cigna Health and Life Insurance Company; Riyadh; On-site; SAR 180,000 - 260,000; Full time

Job summary

Cigna Health and Life Insurance Company is seeking an experienced underwriter to focus on experience-rated underwriting for large corporate clients in Riyadh. The role emphasizes pricing, governance, and process improvements across underwriting workflows.

You will partner with sales, client management, and regional underwriters to win and retain business. Responsibilities include evaluating and pricing benefits, driving data-driven decision making, and monitoring performance against KPIs within

Qualifications

• Experience in experience-rated underwriting and pricing of benefits for large corporate clients.
• Strong data governance and ability to analyze underwriting data pipelines.
• Ability to collaborate with Sales, Strategy & Planning, Actuarial, Finance and Operations.

Responsibilities

• Evaluate, modify and price benefits for large corporate new business and renewal quotations according to underwriting guidelines.
• Build relationships with sales and client management partners to win and retain business.
• Identify improvements in the Large Corporate underwriting workflow and drive automation of reporting tools.
• Collaborate with underwriters in other offices on regional opportunities.
• Provide analytical input into operating plans, forecasts and strategic plans.
• Ensure underwriting policies and guidelines are implemented and compliant with regulatory requirements.

Job description

**Experience-Rated Underwriting*** Evaluate, modify and price benefits for large corporate new business and renewal quotations in compliance with underwriting guidelines.* Build effective relationships with sales and client management partners to win and retain business* Identify possible areas of improvement in the Large Corporate underwriting workflow.* Collaborate with underwriters in the other offices on regional opportunities.**Focus on Data Governance and Process Improvements*** Assess, validate and analyse datasets available for underwriting, with clear understanding of the underlying concepts.* Ensure data governance and consistency across underwriting data pipelines and reporting tools.* Drive automation of reporting tools and improve data models for scalable analysis.**Performance Monitoring and Reporting*** Develop and manage portfolio reporting across key underwriting, portfolio and financial KPIs.* Conduct variance analysis (actual vs. expected, plan delivery, forecasts) and identify key performance drivers.**Portfolio Management and Optimisation*** Assess and challenge pricing strategies across business segments and channels.* Evaluate the impact of pricing thresholds and decisions on growth, profitability and market standing.* Support and own pricing frameworks and underwriting guidelines, including periodic review.**Business Insights and Stakeholder Management*** Provide analytical input into annual operating plans, forecasts and strategic plans.* Identify structural performance gaps across segments, channels and locations, and translate data into actionable recommendations.* Support cross-functional initiatives with Sales, Strategy & Planning, Actuarial, Finance and Operations.**Governance and Control*** Ensure effective embedded controls to detect inappropriate underwriting practices.* Ensure underwriting policies, procedures and guidelines are implemented, enforced and periodically reviewed.* Keep underwriting practices compliant with the latest regulatory requirements and Cigna standards.