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Underwriting Strategy & Risk Governance

• Develop and implement life underwriting policies aligned with the company’s risk appetite and actuarial assumptions
• Ensure consistent application of underwriting manuals, authority limits, and decision frameworks
• Review and approve complex life risks within delegated authority
• Monitor portfolio risk exposure and loss ratios

Life Risk Assessment & Decision Making

• Oversee underwriting of individual and group life products including term assurance, whole life, endowment, credit life, and group life
• Ensure appropriate use of medical, financial, and occupational risk assessments
• Manage substandard lives, exclusions, loadings, and special terms

Pricing, Profitability & Portfolio Management

• Collaborate with Actuarial and Finance teams to ensure pricing adequacy
• Monitor underwriting experience against assumptions
• Recommend corrective actions to improve portfolio profitability and risk quality
• Review pricing models to ensure adequacy and competitiveness
• Monitor underwriting profitability by product, segment, and channel

Reinsurance Management

• Manage facultative and treaty reinsurance arrangements for life business
• Ensure accurate risk cessions and compliance with reinsurance treaties
• Liaise with reinsurers on large sums assured and complex risks

Operations & Process Excellence

• Ensure efficient underwriting turnaround times and service standards
• Drive process improvements, automation, and digital underwriting initiatives
• Ensure proper documentation, policy issuance, and record management
• Improve renewal workflows, automation, and data quality

Compliance & Regulatory Oversight

• 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, Bancassurance, and Distribution teams
• Engage medical service providers and financial assessors
• Support product development initiatives from an underwriting perspective

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 & Capability Development

• Lead, mentor, and develop the life underwriting team
• Set performance targets and conduct performance reviews
• Identify training needs and succession plans