Personal Lines Underwriter

Quess Selection & Services; Singapore; On-site; SGD 120,000 - 180,000; Full time

Job summary

Quess Selection & Services in Singapore is seeking an experienced Underwriting Manager to join our general insurance team. The role combines technical underwriting, portfolio oversight and product development to strengthen underwriting performance and support new insurance solutions.

You will work with distribution, product and internal stakeholders to enhance propositions while maintaining underwriting discipline and profitability.

Qualifications

• Relevant experience within General Insurance underwriting.
• Strong technical understanding of underwriting principles, risk assessment and portfolio management.
• Experience within Personal Lines and/or Commercial Lines.
• Exposure to product development or product management within General Insurance would be advantageous.
• Strong analytical skills with the ability to interpret portfolio performance and underwriting data.
• Confident stakeholder management skills and the ability to provide technical guidance to both underwriting and distribution teams.

Responsibilities

• Provide technical underwriting guidance across Personal and Commercial Lines.
• Assess and provide recommendations on complex or non-standard underwriting cases.
• Monitor portfolio performance and identify emerging risks, trends and areas requiring corrective action.
• Support profitable portfolio growth through appropriate risk selection, pricing and underwriting discipline.
• Review underwriting guidelines, policy terms, coverage conditions and documentation to ensure they remain commercially relevant and technically sound.
• Monitor portfolio exposure and accumulation across key classes of business.
• Perform periodic reviews of underwriting quality and recommend improvements where required.
• Analyse underwriting and portfolio data to provide insights into business performance and risk trends.
• Keep abreast of market developments, competitor activity, product offerings and pricing movements within the Singapore general insurance market.

Skills

General Insurance underwriting

Underwriting principles

Portfolio management

Stakeholder management

Analytical skills

Job description

An established general insurer is looking for an experienced Underwriting Manager to join its Singapore business.

This is a broad-based role combining technical underwriting, portfolio oversight and product development. The successful candidate will work closely with distribution, product and other internal stakeholders to strengthen underwriting performance, enhance existing propositions and support the development of new insurance solutions.

Key Responsibilities

• Provide technical underwriting guidance across Personal and Commercial Lines.
• Assess and provide recommendations on complex or non-standard underwriting cases.
• Monitor portfolio performance and identify emerging risks, trends and areas requiring corrective action.
• Support profitable portfolio growth through appropriate risk selection, pricing and underwriting discipline.
• Review underwriting guidelines, policy terms, coverage conditions and documentation to ensure they remain commercially relevant and technically sound.
• Monitor portfolio exposure and accumulation across key classes of business.
• Perform periodic reviews of underwriting quality and recommend improvements where required.
• Analyse underwriting and portfolio data to provide insights into business performance and risk trends.
• Keep abreast of market developments, competitor activity, product offerings and pricing movements within the Singapore general insurance market.

Product & Proposition Development

• Support the development and enhancement of General Insurance products across different customer and distribution segments.
• Work with business stakeholders to identify opportunities for new products, coverage enhancements and proposition improvements.
• Conduct market and competitor research to assess product positioning, coverage and pricing.
• Manage product initiatives from initial concept and feasibility assessment through development, approval and launch.
• Review the performance of existing products and recommend changes based on portfolio results, customer needs and market developments.
• Partner with distribution and business teams to ensure products are commercially competitive while maintaining appropriate underwriting standards.

Stakeholder & Governance

• Act as a technical underwriting partner to distribution and business teams.
• Collaborate with key stakeholders across underwriting, claims, actuarial, product, operations and compliance.
• Ensure underwriting and product activities are conducted in accordance with applicable regulatory requirements and internal risk frameworks.
• Contribute to continuous improvements in underwriting processes, controls and overall portfolio management.

What We're Looking For

• Relevant experience within General Insurance underwriting, ideally with exposure across multiple product lines.
• Strong technical understanding of underwriting principles, risk assessment and portfolio management.
• Experience within Personal Lines and/or Commercial Lines.
• Exposure to product development or product management within General Insurance would be advantageous.
• Strong analytical skills with the ability to interpret portfolio performance and underwriting data.
• Confident stakeholder management skills and the ability to provide technical guidance to both underwriting and distribution teams.
• Commercially minded, with the ability to balance growth opportunities against underwriting profitability and risk.

This is in partnership with the Employment and Employability Institute Pte Ltd (“e2i”).e2i is the empowering network for workers and employers seeking employment and employability solutions. e2i serves as a bridge between workers and employers, connecting with workers to offer job security through job-matching, career guidance and skills upgrading services, and partnering employers to address their manpower needs through recruitment, training, and job redesign solutions. e2i is a tripartite initiative of the National Trades Union Congress set up to support nation-wide manpower and skills upgrading initiatives. By applying for this role, you consent to Quesscorp Singapore’s PDPA and e2i’s PDPA.