Senior Medical Stop-Loss Underwriter: Risk & Growth Lead

Highmark Health; California; On-site; USD 79,000 - 127,000; Full time

Job summary

HM Insurance Group in California seeks an experienced underwriter to price quotes and analyze contract structures for self-funded and converting plans. The role involves applying risk management, pricing policies, and profitability targets while mentoring junior analysts and coordinating with internal teams and brokers.

The ideal candidate will have 5–7 years of underwriting experience, strong math aptitude, and the ability to communicate complex pricing rationales.

Qualifications

• Bachelor's degree in Mathematics, Actuarial Science, Finance, or related quantitative field.
• 5–7 years underwriting experience on self-funded or converting plans.
• Ability to interpret pricing and risk management in line with HMIG policies.

Responsibilities

• Renew accounts and write new business at profitable levels.
• Calculate rates and interpret pricing policy.
• Identify questionable claim patterns and recommend pricing adjustments.
• Apply corporate risk management policies and adjust pricing for unusual cases.
• Support internal initiatives like fraud detection and compliance.
• Guide lower level analysts and maintain tools.

Skills

Underwriting

Risk analysis

Financial analysis

Stakeholder management

Privacy compliance

Education

Bachelor's degree in quantitative field

Job description

HM Insurance Group in California seeks an experienced underwriter to price quotes and analyze contract structures for self-funded and converting plans. The role involves applying risk management, pricing policies, and profitability targets while mentoring junior analysts and coordinating with internal teams and brokers.

The ideal candidate will have 5–7 years of underwriting experience, strong math aptitude, and the ability to communicate complex pricing rationales.