Senior Manager, Stop-Loss Risk and Proposals

Oxbridge Health; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

Oxbridge Health is seeking a Senior Manager for Stop-Loss Risk and Proposals to lead risk evaluation and the bid process for self-funded cases. You will guide case pricing, manage carrier quotes, and work with sales to maximize win rates.

You will collaborate with finance and actuarial teams to align pricing strategies with underwriting insights and market trends, while building scalable submission workflows.

Qualifications

• Stop-loss underwriting experience at a carrier, reinsurer, or MGU; support for RFPs, proposals, and quoting
• 7+ years of self-funded group health stop-loss experience on carrier or business side
• Knowledge of specific and aggregate stop-loss, and how cases are underwritten and priced
• Bachelor’s degree or equivalent experience

Responsibilities

• Review incoming cases and assess risk before underwriting, including claims experience, census, and plan design.
• Advise sales leadership on how cases are viewed and priced by stop-loss carriers, and which cases to pursue.
• Own the RFP and proposal process for self-funded stop-loss cases, from intake through submission, quote, and follow-up.
• Build tools and repeatable processes behind submissions and quoting, and coach junior staff

Skills

Stop-loss underwriting

Risk evaluation

Sales enablement

Education

Bachelor's degree or equivalent experience

Job description

Senior Manager, Stop-Loss Risk and Proposals

Company Overview:

Our company is a start-up that specializes in episodes of care benefit plans. We have a deep expertise in episode pricing and analytics and our goal is to bring transparency and efficiency to the healthcare market. Our company is committed to providing high-quality, affordable healthcare to our customers.

Role Description
The Senior Manager, Stop-Loss Risk and Proposals owns the front end of our sales process for self-funded cases. You will evaluate the risk on each case, prepare it for our stop-loss carrier underwriting partners, and manage the proposal through to a quote. This is not a carrier underwriting seat. It is a role for someone who has underwritten stop-loss, knows how underwriters will look at a case before they see it, and wants to use that knowledge on the business side to help our sales team bring better-prepared cases to market and win them.

Responsibilities

Risk Evaluation and Management

• Review incoming cases and assess the risk before they go to underwriting, including claims experience, census, and plan design.
• Advise sales leadership on how a case is likely to be viewed and priced by stop-loss carriers, and on which cases to pursue.

RFP and Proposal Management

• Own the RFP and proposal process for self-funded stop-loss cases, from intake through submission, quote, and follow-up.
• Check every submission and proposal for accuracy and completeness before it goes out.
• Gather and compare carrier quotes and recommend the best placement for each case.

Carrier and Underwriter Relationships

• Work as the day-to-day contact for our stop-loss carrier underwriting partners.
• Stay current on how each carrier evaluates specific and aggregate stop-loss risk, and on pricing and competitive trends in the self-funded market.

Sales Enablement and Team

• Partner with sales, brokers, and consultants on case strategy and quotes.
• Work across sales, finance, and actuarial partners so that pricing, risk, and proposals stay aligned.
• Build the tools and repeatable processes behind submissions and quoting, and coach junior sales support staff.

Qualifications

• Describe the experience and attributes of the ideal candidate
• Stop-loss underwriting experience, ideally at a stop-loss carrier, reinsurer, or managing general underwriter and/or Business-side experience supporting a sales team or broker channel through the RFP, proposal, and quoting process.
• 7+ years of combined experience in self-funded group health stop-loss on either the carrier or business side.
• Working knowledge of specific and aggregate stop-loss, including how cases are underwritten and priced.
• Bachelor’s degree or equivalent experience.
  
• Health: Medical, dental, and vision insurance
• Retirement: 401(k) with company match
• Paid leave: Vacation, Sick, and company holidays
• Ancillary: Company-paid life and disability insurance