Senior Underwriting Research Specialist

Manulife; Singapore; On-site; SGD 120,000 - 180,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Manulife busca un profesional de underwriting con amplia experiencia para apoyar la modernización y el mantenimiento del Manual de Underwriting (MUM) en Asia. Desarrollará investigación médica y de mortalidad y traducirá hallazgos en directrices prácticas.

Trabajará con equipos de underwriting, médico, actuarial y datos para asegurar que el MUM permanezca actualizado, competitivo y alineado con experiencia de mortalidad y prácticas de mercado.

Qualifications

• Mínimo 10 años de experiencia en underwriting de seguros de vida, con al menos 2 años en HNW.
• Experiencia demostrada en underwriting de mortalidad y evaluación de riesgos médicos.
• Experiencia revisando riesgos médicos, financieros y de estilo de vida complejos.

Responsibilities

• Conducir revisiones exhaustivas de literatura médica, estudios epidemiológicos, guías clínicas e investigación de mortalidad.
• Evaluar avances médicos, resultados de tratamientos y tecnologías de diagnóstico y su impacto en la suscripción de vida.
• Evaluar el impacto de las condiciones de salud en la mortalidad y en la suscripción para minoristas y HNW.
• Desarrollar recomendaciones basadas en evidencia para requisitos, clasificaciones, tarifas y exclusiones.

Skills

Mortality underwriting

Medical risk assessment

Evidence-based underwriting

Underwriting philosophy

Analytical skills

Technical writing

Job description

We are seeking an experienced and intellectually curious underwriting professional to support the modernization and ongoing maintenance of the Manulife Underwriting Manual (MUM) . This role will play a critical part in conducting medical and mortality research, evaluating emerging evidence, and translating findings into practical underwriting guidance for use across Asia.

The successful candidate will combine deep underwriting expertise with strong analytical and research capabilities. They will work closely with underwriting, medical, actuarial, and data experts to ensure that MUM remains medically current, commercially competitive, and aligned with evolving mortality experience and market practices.

This position is ideal for a senior underwriter who enjoys research, evidence-based decision making, and influencing underwriting philosophy beyond individual case assessment.

Position Responsibilities:

Medical and Mortality Research

• Conduct comprehensive reviews of medical literature, epidemiological studies, clinical guidelines, and mortality research.

• Assess emerging medical advances, treatment outcomes, diagnostic technologies, and their implications for life insurance underwriting.

• Evaluate the mortality impact of medical impairments and risk factors commonly encountered in retail and High Net Worth (HNW) underwriting.

• Develop evidence-based recommendations for underwriting requirements, classifications, ratings, and exclusions.

Underwriting Manual Development

• Support the review, enhancement, and maintenance of the Manulife Underwriting Manual (MUM).

• Research and update underwriting guidelines for priority impairments, incorporating the latest scientific evidence and mortality experience.

• Document underwriting rationale, supporting evidence, assumptions, and references to ensure transparency and regulatory defensibility.

• Assist in the localisation of underwriting guidance to reflect Asian populations, healthcare systems, and mortality experience where appropriate.

Mortality and Risk Assessment

• Understand and evaluate the relationship between underwriting decisions, mortality assumptions, and overall portfolio performance.

• Assess the potential impact of adverse mortality selection on pricing, profitability, and risk management.

• Collaborate with actuarial teams to understand mortality assumptions and emerging experience studies.

• Support the development of risk philosophies that balance competitiveness with sustainable profitability.

Stakeholder Collaboration

• Work closely with Chief Underwriters, Medical Directors, Actuarial teams, Claims leaders, and external experts.

• Participate in working groups focused on underwriting innovation, risk assessment, and manual modernization.

• Present research findings and recommendations to underwriting leadership and governance committees.

• Contribute to the development of AI-enabled and digital underwriting knowledge assets.

Required Qualifications

• Minimum 10 years of life insurance underwriting experience , of which minimum 2 year of High Net Worth (HNW) underwriting.

• Demonstrated expertise in mortality underwriting and medical risk assessment.

• Experience reviewing complex medical, financial, and lifestyle risks.

Strong understanding of:

• Medical impairments and mortality risk factors.

• Evidence-based underwriting principles.

• Mortality rating methodologies.

• Underwriting philosophy and risk selection.

Working knowledge of:

• Mortality experience studies.

• Basic actuarial concepts and pricing assumptions.

• Adverse selection and anti-selection risk.

• Impact of underwriting decisions on mortality outcomes and profitability.

• Ability to critically appraise scientific and medical research.

Research & Analytical Skills

• Strong analytical and problem-solving abilities.

• Ability to synthesize complex medical and statistical information into practical underwriting guidance.

• Excellent technical writing skills with an ability to develop clear and concise underwriting documentation.

• Comfortable working with data, research databases, clinical publications, and evidence reviews.

When you join our team:

• We’ll empower you to learn and grow the career you want.

• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.

• As part of our global team, we’ll support you in shaping the future you want to see.

Acerca de Manulife y John Hancock

Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor. Para obtener más información acerca de nosotros, visite http://www.manulife.com .

Manulife es un empleador que ofrece igualdad de oportunidades

En Manulife/John Hancock, valoramos nuestra diversidad. Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas. Estamos comprometidos con la equidad en las contrataciones, la retención de talento, el ascenso y la remuneración, y administramos todas nuestras prácticas y programas sin discriminación por motivos de raza, ascendencia, lugar de origen, color, origen étnico, ciudadanía, religión o creencias religiosas, credo, sexo (incluyendo el embarazo y las afecciones relacionadas con este), orientación sexual, características genéticas, condición de veterano, identidad de género, expresión de género, edad, estado civil, estatus familiar, discapacidad, o cualquier otro aspecto protegido por la ley vigente.

Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo. Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud. Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes. Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a [e-mail] .

Modalidades de Trabajo

Híbrido