Risk & Underwriting Leadership Development Program Analyst (RULDP) June Class

Middle East Development Co. Ltd; Chattanooga (TN); Hybrid; USD 34,000 - 52,000; Full time

Benefits offered by this job

Healthcare benefits

401(k)

Tuition reimbursement

Paid time off

Job summary

The Cigna Group offers a Risk & Underwriting Analyst position in a program designed to develop underwriting expertise through immersive training, mentorship, and real responsibility. The role supports risk evaluation, pricing decisions, and collaboration with sales to meet client needs in a hybrid office environment.

Starting June 7, 2027, location options include several U.S. offices; the program emphasizes professional growth, leadership development, and rotations to broaden exposure across

Qualifications

• Bachelor’s degree is required.
• Preferred majors/minors include Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.
• Demonstrated quantitative capability (coursework, projects, or experience).
• Strong written and verbal communication skills; ability to present recommendations clearly.

Responsibilities

• Assess risk characteristics and recommend pricing and terms balancing competitiveness with financial discipline.
• Apply quantitative analysis and underwriting judgment to evaluate profitability drivers and trade-offs.
• After training, help manage a book of business by monitoring performance and trends.

Skills

Analytical skills

Quantitative ability

Communication skills

Excel proficiency

GPA 3.0+

Education

Bachelor’s degree

Tools

Excel

Job description

The job profile for this position is Risk & Underwriting Analyst, which is a Band 2 Senior Contributor Career Track Role.

We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions.

Your Future in Underwriting Starts Here.

Imagine a career where your ideas, analysis, and judgment help drive smarter decisions and stronger outcomes. In RULDP Evolve at The Cigna Group, you won’t just learn underwriting; you’ll live it. Through immersive training, mentorship, and real responsibility, you’ll gain the confidence and expertise to evaluate risk, influence strategy, and build a career with purpose and impact. Designed to support your transition from academia to industry, this program is ideal for recent graduates and early‑career professionals who are curious, motivated, and eager to apply their academic knowledge in a real-world setting.

Key Responsibilities

• Assess risk characteristics and recommend pricing and terms that balance competitiveness with financial discipline.
• Apply quantitative analysis and underwriting judgment to evaluate profitability drivers and articulate trade-offs.
• After training, help manage a book of business by monitoring performance, identifying trends, and taking proactive action.
• Collaborate with Sales and Account Management to design solutions that meet customer needs and support retention.
• Negotiate with clients and brokers using clear rationale, professional presence, and strong follow-through.
• Share insights and best practices that improve underwriting consistency, efficiency, and outcomes.

What You’ll Get

• Structured Curriculum: Comprehensive training modules include risk evaluation, pricing fundamentals, product knowledge, negotiation strategies, portfolio management, and leadership communication.
• Leadership Development: Coaching, workshops, mentoring, and hands‑on business initiatives to accelerate your growth.
• Career Exploration: Job shadowing and strategic projects, plus an optional rotation to broaden exposure across products, markets, and customer segments.
• Mentorship & Networking: Connect with early‑career talent and senior leaders dedicated to your professional development.

Required Qualifications

• Bachelor’s degree is required. Preferred majors/minors: Risk Management, Insurance, Business, Economics, Finance, Management, Mathematics, or Healthcare.
• If your degree is outside these majors/minors, you must have relevant prior experience or an internship in the analytics, finance, or insurance space.
• Demonstrated quantitative capability (coursework, projects, or experience) and comfort working with math and numbers.
• Strong written and verbal communication skills, including the ability to present recommendations with clarity.

Preferred Qualifications

• GPA 3.0 or higher.
• Strong analytical and critical thinking skills.
• Confident negotiator and problem‑solver.
• Customer‑focused mindset.
• Proficiency with Excel or similar analytical tools.
• Growth mindset and learning agility; comfortable using feedback to make improvements.

Additional Information:

• Start Date: June 7, 2027.
• Location: This position is based in one of the following office locations: Bloomfield, CT; Denver, CO; Chattanooga, TN; Franklin, TN; or Scottsdale, AZ. The role requires a hybrid work schedule, with a minimum of three days per week working onsite (Tuesday, Wednesday, and one additional day of the employee’s choice), and the option to work the remaining days remotely. Relocation assistance is not offered, and employees must be able to meet the onsite schedule for their assigned office location.
• Pre‑Employment Requirements: Selected candidates will be required to complete mandatory pre‑employment tasks approximately 45 days prior to the program start date. Completion of the drug test requires availability within the United States during this timeframe.
• Work Authorization: This position is open only to individuals who are eligible for employment in the United States and who would not require visa support including H‑1B or CPT/OPT/STEM, etc., now or in the future.

For this position, we anticipate offering an hourly rate of 25 - 38 USD / hourly, depending on relevant factors, including experience and geographic location.

This role is also anticipated to be eligible to participate in an annual bonus plan.

At The Cigna Group, you’ll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you’ll be offered several health‑related benefits including medical, vision, dental, and well‑being and behavioral health programs. We also offer 401(k), company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year, paid holidays, and leaves of absence.

Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws.

Please note that you must meet our posting guidelines to be eligible for consideration. Policy can be reviewed at this link.

Qualified applicants with criminal histories will be considered for employment in a manner consistent with all federal, state and local ordinances.