General Overview:

We are excited to be partnering with a leading insurance organization to recruit aMedical Underwriterto join their high-performing team. This is a fantastic opportunity for an experienced underwriting professional to step into a role that offers strong ownership, visibility, and impact, contributing directly to portfolio strategy, profitability, and long-term sustainability.

Working closely with senior stakeholders, this role goes beyond day-to-day underwriting and offers the opportunity to influence decision-making, strengthen underwriting governance, and support the expansion of Group, SME, and Individual business lines.

Key Responsibilities:

• Lead underwriting activities across Group, SME, and Individual medical insurance portfolios
• Assess complex medical risks, determining appropriate pricing, terms, and coverage structures
• Analyze claims experience, utilization trends, and risk profiles to drive informed underwriting decisions
• Support portfolio growth while maintaining strong underwriting discipline and loss ratio control
• Partner with business development teams and brokers to structure competitive and sustainable solutions
• Manage renewals strategically, identifying risks and opportunities to enhance retention and profitability
• Monitor portfolio performance and proactively identify areas for improvement
• Contribute to underwriting governance, ensuring alignment with internal policies and regulatory standards
• Support portfolio reviews, reporting, and strategic planning initiatives

Key Requirements:

• Bachelor’s degree in Medicine, Allied Health Sciences, Insurance, Risk Management, or a related field
• 5+ years of experience in medical underwriting
• Strong exposure to Group, SME, and Individual medical insurance portfolios
• Professional qualifications such as CII / Dip CII are preferred
• Strong technical expertise in risk assessment, pricing, and underwriting decision-making
• Good understanding of market practices and regulatory frameworks within the medical insurance space
• Proven ability to balance commercial growth with disciplined underwriting practices
• Strong analytical, communication, and stakeholder management skills
• Ability to operate in a fast-paced, performance-driven environment