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- पोस्ट केले
- 12 तास पूर्वी
- कार्य मोड
- कार्यालयात
- सारांश
- अर्ज करणे आवश्यक आहे
तुम्ही जिथे काम कराल
नोकरीचे वर्णन
About the Role and Organization
This position exists within Aditya Birla Health Insurance Company Ltd, a joint venture focused on innovative health insurance solutions in India. As a Team Member in Group Pricing under the Services Operations function, you will lead efforts to assess and approve risk within defined parameters, supporting the firm's mission of "Health Insurance for All".
Key Responsibilities
- Provide leadership in underwriting operations, ensuring timely, accurate, and compliant risk evaluations within set turnaround times.
- Ensure zero-error quality outputs, handle escalations promptly, and review team decisions to maintain consistency and adherence to authority limits.
- Act as liaison between underwriting, sales, risk, compliance, and operations to align business goals with risk discipline.
- Implement and oversee quality assurance, compliance, and risk control processes to comply with regulations and internal policies.
Work Environment and Challenges
The health insurance industry remains competitive with both established and emerging players. Key challenges include managing diverse client employee data formats, frequent regulatory changes, educating clients on wellness benefits, and balancing competitive pricing with profitability.
Job Metrics and Scope
- Handle approximately 20-25 quotes daily.
- Underwrite policies with an authority limit up to INR 5 Crore.
- Maintain turnaround time of 2 working days for decisions.
- Target a conversion rate of 5% and retention rate of 60%.
About Aditya Birla Health Insurance Co. Ltd
Established in 2015 and operational from 2016, ABHICL aims to expand health insurance across various customer segments with unique offerings such as incentivized wellness programs, chronic care management, and paperless digital processes.
Key Result Areas and Supporting Actions
- Ensure underwriting governance and decision excellence in line with authority limits and compliance standards.
- Maintain strong stakeholder management to align underwriting practices with market realities.
- Drive quality control mechanisms and risk mitigation for operational accuracy and accountability.
Direct Report - Junior Underwriter
The Junior Underwriter supports underwriting cases within assigned limits and timelines.
Relationships
- Internal: Frequent interaction with departments such as New Business, Policy Administration, Legal, Compliance, Sales, IT, Claims, Internal Audit, Provider Management, Product, and Actuary teams for escalation resolution, compliance, system enhancements, and product launches.
- External: Periodic engagement with brokers, policyholders, vendors, external auditors, and reinsurers for decision communication, queries, recruitment, audit reports, and training.
Sign-Off
The jobholder reports to the Deputy Chief Manager and is overseen by the Lead Group Underwriting Manager, with formal acknowledgment via signatures maintained in company records.