Insurance Underwriting Specialist for AI Risk Models

Mercor; New York (NY); On-site; USD 40,000 - 70,000; Part time

Job summary

Mercor is seeking Insurance Underwriting Specialists to design underwriting scenarios and evaluate AI model outputs. You will develop risk-based decisioning, write high-quality rationales, and provide feedback to improve model behavior across life, health, property, casualty, and other lines.

The role supports multi-line underwriting with a focus on policy provisions, exclusions, endorsements, and rating factors, starting immediately with rolling applications.

Qualifications

• 2+ years of professional experience in insurance underwriting (any line).
• Understand how policy provisions, exclusions, endorsements, and rating factors determine coverage and price.
• Weigh risk, exposure, and financial evidence and articulate a defensible decision with a documented rationale.
• Demonstrate excellent written analysis, balanced judgment, and high attention to detail.
• Distinguish underwriting decisions from sales/agent recommendations and from formal legal advice.

Responsibilities

• Design realistic scenarios involving risk selection, exposure analysis, policy terms and conditions, exclusions, endorsements, pricing, and coverage determinations
• Create work products such as underwriting decisions, risk assessments, rating and pricing rationales, coverage analyses, and referral write-ups
• Write "golden" reference responses at experienced underwriting-professional quality
• Grade AI-generated responses against structured rubrics for risk-selection accuracy, provision interpretation, pricing correctness, and sound judgment
• Identify misread policy language, flawed risk classifications, incorrect pricing math, and gaps in documented rationale
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

Skills

Underwriting experience

Policy provisions knowledge

Risk assessment

Pricing rationale

Written communication

Attention to detail

Defensible decision making

Job description

Mercor is seeking Insurance Underwriting Specialists to design underwriting scenarios and evaluate AI model outputs. You will develop risk-based decisioning, write high-quality rationales, and provide feedback to improve model behavior across life, health, property, casualty, and other lines.

The role supports multi-line underwriting with a focus on policy provisions, exclusions, endorsements, and rating factors, starting immediately with rolling applications.