Key Accountabilities

1. Management & Coordination of Underwriting Operations

• Organize, assign, and supervise underwriting tasks for life insurance applications
• Develop, update, and improve underwriting procedures to enhance efficiency and minimize risks
• Build up and manage UW Panel Doctor/Clinic network for medical underwriting examination

2. Underwrite life insurance applications (medical, financial, occupational, etc)

• Underwrite, make underwriting requirements and underwriting decisions on new policy, policy change, policy reinstatement, re-declaration, and nondisclosure during the policy life time.
• Review, sign off and make final decisions on high-value or complex cases.
• Work with Reinsurers on cases referral, underwriting guidelines, products benefits.

3. People Management & Training

• Guide, train, and develop the skills of underwriting staff
• Assess performance and build employee development plans
• Foster teamwork and a culture of compliance.

4. Compliance & Risk

• Ensure compliance with legal regulations and internal policies (e.g., AML, KYC, data privacy, insurance laws).
• Conduct periodic quality control and reviews of underwriting decisions and processes.
• Analyze risks and provide appropriate recommendations.

5. Reporting & Collaboration

• Prepare periodic reports on underwriting performance and and analyze underwriting data.
• Medical advice for Claim, Complaint Handling, Product, Actuary and Others departments.
• Participate in customer and distributor complaint resolution. Communicate with customers and sales force on underwriting requirements and underwriting decisions
• Involve in company project and support the implementation of business-related projects in underwriting. Participate in build up underwriting functions in core system (eBao) and others sytem.
• Other tasks are assigned by Line Manager, HOD, COO such as taking part in NBU project, MOF & HO audit,...

Job Requirements

• Graduated from Medicine University
• LOMA certification (preferred)
• At least 3-5 years of experience in life insurance underwriting
• Strong knowledge of local regulations, medical underwriting, and life insurance products
• Thinking with operational execution capabilities
• Deep understanding of risk assessment and underwriting best practices
• Strong analytical and problem-solving abilities
• Effective communicator, collaborator, and decision-maker
• Being able to work well under high pressure and tight timeline.

Benefits

• Competitive salary (100% salary during probation).
• Bonus: 13th-month salary and the performance-based bonus of up to 30% of the total annual package.
• Full social insurance, personal accidental & health care insurance, group life insurance (death and dismemberment).
• Gifts for newcomers and on special occasions
• Modern facilities in the spacious office 
• 16 Annual leaves