Underwriting Consultant Principal - Innovations
New
USFull-TimePrincipal
Salary100,000 - 150,500 USD per year
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Job Details
- Experience
- 7+ years
- Required Skills
- Data Analysis
Requirements
- 7+ years of life underwriting experience with strong expertise across underwriting processes, risk assessment, and decision authority levels.
- Deep understanding of accelerated, fluidless, and digital underwriting programs, including medical and mortality risk evaluation.
- Experience working with underwriting data sources, digital health information, and automated underwriting rules engines.
- Strong familiarity with underwriting tools, AI-enabled platforms, and workflow automation concepts.
- Proven ability to lead pilots, evaluate new technologies, and implement process improvements at scale.
- Excellent analytical and critical thinking skills with strong attention to detail and risk evaluation.
- Strong written and verbal communication skills, with ability to present to senior and executive leadership.
- Ability to translate complex underwriting concepts into actionable business and operational insights.
- Strong organizational and prioritization skills, with the ability to manage multiple initiatives simultaneously.
- Industry certifications such as LOMA 280/281 and 290/291 required; AALU/FLMI progress or designation preferred.
Responsibilities
- Lead research, evaluation, and implementation of new underwriting tools, technologies, and data sources to advance automation and improve decision-making.
- Drive innovation in underwriting processes, including pilot programs, testing initiatives, and performance measurement of new solutions.
- Partner with cross-functional teams including actuarial, reinsurance, forensic underwriting, and operations enablement to identify opportunities for automation and optimization.
- Support the expansion of instant decisioning and fluidless underwriting programs while balancing risk, pricing assumptions, and operational efficiency.
- Collaborate with external vendors, reinsurers, and technology partners to assess emerging capabilities and integrate best-fit solutions.
- Develop and present strategic recommendations, findings, and multi-year innovation roadmaps to senior and executive leadership.
- Contribute to the evolution of underwriting frameworks, rules, and future-state digital platforms.
- Analyze mortality and risk factors, ensuring underwriting decisions align with sound actuarial and business principles.
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