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Underwriting Strategy & Risk Management

• Develop and implement underwriting strategies aligned with the company’s risk appetite and business objectives
• Ensure consistent application of underwriting policies, guidelines, and authority limits
• Review and approve complex and high-value risks within delegated authority
• Monitor portfolio exposure and accumulation risk

General Insurance Risk Assessment

• Oversee underwriting of general insurance classes including Motor, Fire, Marine, Engineering, Liability, and Miscellaneous risks
• Ensure appropriate risk inspections, surveys, and loss prevention recommendations
• Manage special terms, deductibles, exclusions, and endorsements

Pricing & Portfolio Profitability

• Ensure pricing adequacy and competitiveness across all general insurance classes
• Monitor loss ratios, combined ratios, and underwriting margins
• Recommend corrective actions to improve portfolio performance

Reinsurance Management

• Manage treaty and facultative reinsurance placements
• Ensure compliance with reinsurance arrangements and retention limits
• Liaise with reinsurers and brokers on complex risks and large exposures

Operations & Process Excellence

• Ensure efficient underwriting turnaround times (TAT) and service standards
• Drive process improvement, automation, and digital underwriting initiatives
• Ensure accurate policy issuance, endorsements, and renewals

Compliance & Governance

• Ensure compliance with Insurance Regulatory Authority (IRA) guidelines and internal controls
• Support internal and external audits and regulatory reviews
• Ensure adherence to AML, KYC, and data protection requirements

Stakeholder Engagement

• Provide technical underwriting support to Sales, Brokers, and Distribution channels
• Collaborate with Claims to analyse loss trends and underwriting improvements
• Support product development and review initiatives

Retention & Client Value Management

• Drive retention of profitable and strategic accounts while managing exit of poor-performing risks
• Partner with Sales and Brokers on renewal negotiations and retention initiatives
• Minimize policy lapses arising from underwriting delays, pricing errors, or process gaps.

People Management & Development

• Lead, coach, and develop the underwriting team
• Set performance objectives and conduct performance appraisals
• Identify training needs and succession plans