Risk and Medical Underwriting Lead Analyst (Hybrid)

Cigna; Scottsdale (AZ); Remote; USD 74,000 - 124,000; Full time

Job summary

An innovative firm is seeking a skilled Underwriter to leverage analytical and risk management skills in a dynamic environment. This role involves evaluating risks, setting premium rates, and providing strategic recommendations. You will manage a complex portfolio while collaborating with teams to optimize business growth. If you have a passion for leadership and a customer-centric approach, this opportunity will allow you to make a significant impact in the health service industry. Join us to drive growth and improve lives while enjoying comprehensive benefits and a supportive work environment.

Benefits

Medical Insurance

Vision Insurance

Dental Insurance

401(k) with Match

Paid Time Off

Qualifications

• 3+ years of medical underwriting experience preferred.
• Strong analytical and problem-solving skills.
• Excellent communication skills, verbal and written.

Responsibilities

• Perform risk assessments and rate development for large, complex cases.
• Collaborate with underwriting teams to optimize cross-sale opportunities.
• Mentor less experienced underwriters, serving as a technical expert.

Skills

Analytical Skills

Risk Management

Portfolio Management

Decision-Making

Negotiation Skills

Communication Skills

Problem-Solving

Education

Bachelor's degree in Risk Management

Bachelor's degree in Economics

Bachelor's degree in Finance

Bachelor's degree in Accounting

Bachelor's degree in Management

Bachelor's degree in Mathematics

Bachelor's degree in Business

Job description

Underwriting at Cigna: If you’re looking to use strong analytical, risk management, and portfolio management skills in a competitive, fast-paced environment, an Underwriting career at Cigna will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies. As part of our Underwriting team, you will directly impact our business daily, protecting Cigna's sound financial position to meet our commitments.

Core Responsibilities:

• Quickly learn manual and claim experience rating models and related pricing tools.
• Perform risk assessments and rate development for large, complex cases independently.
• Develop strategic recommendations related to market competition, product development, and pricing decisions.
• Engage with Sales and Clients through presale and inforce case strategies and market discussions.
• Assist Sales as a financial consultant on case-specific issues with in-depth understanding of rating models and pricing tools.
• Manage a complex book of business focused on profitable growth, persistency, and earnings.
• Collaborate with underwriting teams to optimize cross-sale opportunities.
• Work with product/pricing teams to provide market insights.
• Work autonomously, exercising judgment on techniques and procedures.
• Hold calls with Sales, brokers, or clients independently.
• Mentor less experienced underwriters, serving as a technical and strategic expert.
• Lead by example and influence underwriting best practices.

Minimum Qualifications:

• 3+ years of medical underwriting experience preferred.
• Bachelor's degree in Risk Management, Economics, Finance, Accounting, Management, Mathematics, or Business preferred but not required.
• Strong analytical and problem-solving skills.
• Ability to manage complex cases in a dynamic market.
• Excellent decision-making and negotiation skills.
• Excellent communication skills, verbal and written.
• Passion for leadership in the health service industry.
• Innovative, customer-centric, and analytical mindset.

For remote work, a broadband internet connection of at least 10Mbps download and 5Mbps upload is required. The annual salary range is $74,300 - $123,900, depending on experience and location, with eligibility for an annual bonus.

We offer comprehensive benefits supporting your health and well-being, including medical, vision, dental, 401(k) with match, paid time off, and more. Details are available at Life at Cigna Group.

About Cigna Healthcare:

Cigna Healthcare, part of The Cigna Group, advocates for better health at every life stage, guiding customers through the healthcare system and empowering them to make informed health choices. Join us to drive growth and improve lives.

We are committed to equal employment opportunity and consider all qualified applicants without regard to protected characteristics. For accommodations during the application process, contact [e-mail]. Our tobacco-free policy restricts hiring of tobacco/nicotine users in certain states, and criminal background checks are conducted in accordance with laws.