Function: Operations
Department: Underwriting Governance & Audit
Reporting to: Chief Manager – Underwriting Governance
Support in conducting thematic and deep‑dive audits across underwriting processes to identify risks, gaps, and improvement opportunities.
Support development and execution of the Underwriting Governance framework, ensuring adherence to internal policies and regulatory norms.
Coordinate with internal audit, assurance, compliance, and underwriting teams for timely closure of audit observations
Provide Re-underwriting opinion for claims cases
CMO QC and Vendor QC for cardiac tests opinions
Assist in STP QC, including sampling, accuracy checks, error identification, reporting, and trend analysis.
Assist Term & Non‑Term QC cases, ensuring timely completion and accurate reporting of findings.
Ensure end‑to‑end closure of all QC cases and maintain governance documentation.
Prepare and publish monthly QC dashboards, thematic audit reports, and exception summaries for stakeholders.
Evaluate data for trend spotting, risk identification, and improvement recommendations.
Highlight outages and validate findings in coordination with underwriting and internal audit teams.
Collaborate with underwriting production managers to improve overall decision accuracy and governance adherence.
Collaborate with URMU, IT, Audit, Assurance, and related teams for smooth governance operations.
Conduct case clinics, trainings, mentoring sessions, and refreshers based on audit and QC findings.
Drive improvement in QC scores through structured feedback and continuous learning interventions.
Quality and timeliness of STP QC and Term/Non‑Term QC cycles.
Accuracy and effectiveness of thematic audits and closure timelines.
Quality and clarity of dashboards and governance reports.
Reduction in recurring errors and improvement in underwriting accuracy.
Stakeholder satisfaction and collaboration effectiveness.
Contribute to governance‑related projects and process improvement initiatives.
Maintain a positive, collaborative environment in line with organizational values
Internal: Underwriting, Internal Audit, Internal Assurance, AI Works team, URMU, IT, Operations
External: Auditors / Consultants (if applicable)
Strong analytical & logical thinking skills.
Excellent written & verbal communication.
Ability to collaborate effectively across functions.
Detail orientation and risk‑based approach.
Creativity in problem‑solving and process improvement.
Graduate / Post‑Graduate—preferably in Insurance, Medicine, Pharmacy, or related field.
Insurance related examinations – Insurance Institute of India, LOMA and ALU
Minimum of 4 - 6 years of experience in Life Underwriting, Risk, Governance, QC, or Audit functions.
Strong knowledge of Life & Health underwriting principles.
Experience in Medical underwriting and process enhancements.
Proficiency in MS Office, analytics, dashboards, and business writing skills.
