Underwriting Manager
Melon Digital Insurance
Date: 16 hours ago
City: Dammam
Contract type: Full time
Role Overview
As a Manager - Underwriting, you will own the motor underwriting function, setting and applying risk selection and pricing standards across our portfolio. Based at our Eastern Region Office, you'll work closely with cross-functional teams in a HYBRID environment to deliver profitable growth, maintain disciplined risk appetite, and drive underwriting excellence within our organization.
Responsibilities
As a Manager - Underwriting, you will own the motor underwriting function, setting and applying risk selection and pricing standards across our portfolio. Based at our Eastern Region Office, you'll work closely with cross-functional teams in a HYBRID environment to deliver profitable growth, maintain disciplined risk appetite, and drive underwriting excellence within our organization.
Responsibilities
- Manage the motor underwriting team's daily activities to ensure accurate, timely, and consistent risk assessment and quotation.
- Set and maintain underwriting guidelines, risk appetite, acceptance criteria, and referral authority limits.
- Review and approve risks referred above delegated authority, including fleet, high-value, and non-standard cases.
- Monitor portfolio performance, including loss ratios, retention, and segment profitability, and recommend rating and appetite adjustments.
- Work with actuarial and pricing teams on rate reviews, tariff filings, and product changes.
- Ensure full compliance with regulatory requirements, approved tariffs, and internal underwriting controls.
- Coordinate with claims, distribution, and product teams to align underwriting decisions with commercial and customer outcomes.
- Manage reinsurance treaty application and facultative placements for risks outside treaty terms.
- Identify and implement process improvements and automation across underwriting operations.
- Ensure the team's adherence to service standards and performance KPIs.
- Prepare detailed reports and analytics for management review.
- Proven experience in motor insurance underwriting, with a strong understanding of risk selection, rating, and portfolio management.
- Demonstrated ability to lead, manage, and motivate a high-performing team in a dynamic environment.
- Excellent knowledge of regulatory requirements, approved tariffs, and compliance obligations relevant to motor underwriting.
- Strong technical grasp of motor products, including comprehensive, third-party liability, and fleet covers.
- Strong analytical, problem-solving, and decision-making skills.
- Outstanding communication and interpersonal abilities.
- Experience with underwriting automation, rules engines, or digital quote and bind journeys.
- Background in utilizing data analytics, telematics, or usage-based pricing to enhance risk selection.
- Exposure to reinsurance structuring and treaty negotiation.
- Familiarity with the latest insurance technology trends and digital transformation.
- Professional qualification such as ACII, CPCU, or equivalent.
- Arabic and English fluency.
- Employee Stock Ownership Plan (ESOP).
- Flexible hybrid work arrangements.
- Opportunities for career growth and professional development.
- Collaborative, innovative work culture.
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