Head of Technical

Key Responsibilities

• Lead the technical underwriting team across multiple insurance lines (Health, Motor, Property, Liability, Marine, Employee Benefits, etc.).
• Review and approve complex cases, large risks, and special underwriting requests.
• Develop risk evaluation standards, pricing frameworks, and underwriting guidelines.
• Evaluate clients’ risk profiles and create customized insurance program solutions.
• Guide account managers on technical queries, exclusions, clauses, and policy wording.
• Design tailored insurance products and endorsements based on industry and client needs.
• Ensure all underwriting activities comply with IRDAI regulations and internal audit requirements.
• Review policy terms, conditions, and compliance parameters before binding cover.
• Mentor and train junior underwriters, brokers, and technical teams.

Key Skills & Competencies

• Strong technical expertise across multiple lines of insurance.
• Excellent negotiation skills with insurers.
• Deep understanding of underwriting principles, risk analysis, and pricing models.
• Ability to handle complex risk assessments and large portfolio underwriting.
• Strong communication, stakeholder management, and decision-making skills.
• Familiarity with IRDAI guidelines and compliance frameworks.

Qualifications

• Graduate/Postgraduate in Insurance, Risk Management, Actuarial Science, or equivalent.
• 10+ years of experience in underwriting and broking advisory.