Head Risk Engineering

About the role

To lead the Risk Engineering function, providing technical expertise and strategic guidance for risk assessment, loss prevention, and underwriting support across commercial and specialty lines. The role ensures robust risk evaluation frameworks, compliance with regulatory standards, and alignment with Universal Sompo’s underwriting philosophy to optimize portfolio quality and profitability.

Role & responsibilities

Risk Assessment & Advisory

• Develop and implement

  risk engineering strategies

  for commercial, industrial, and specialty insurance segments.
• Conduct

  technical risk surveys

  , site inspections, and hazard evaluations for high-value and complex risks.
• Provide

  risk improvement recommendations

  to clients and collaborate with underwriting teams for pricing and coverage decisions.
• Establish

  risk grading models

  and integrate them into underwriting guidelines.

Underwriting Support

• Partner with underwriters to assess

  risk exposure

  , recommend terms, and validate adequacy of risk mitigation measures.
• Contribute to

  product development

  by embedding risk engineering insights into policy wordings, endorsements, and pricing models.
• Support

  reinsurance negotiations

  with technical risk data and loss prevention strategies.

Loss Prevention & Client Engagement

• Design and deliver

  loss control programs

  for corporate clients, focusing on fire safety, natural catastrophe resilience, and operational risk.
• Conduct

  training sessions

  for clients and internal teams on risk management best practices.

Governance & Compliance

• Ensure adherence to

  IRDAI guidelines

  , internal risk frameworks, and global best practices.
• Maintain documentation for audits and regulatory reporting.

Team Leadership

• Build and lead a team of risk engineers; drive capability development and knowledge sharing.
• Foster a culture of technical excellence and continuous improvement.

Key Skills & Competencies

• Strong knowledge of

  risk engineering principles

  , industrial safety standards, and loss prevention techniques.
• Expertise in

  property, engineering, and liability risk assessments

  .
• Familiarity with

  insurance underwriting processes

  , pricing models, and regulatory norms.
• Analytical ability to interpret technical data and translate into actionable insights.
• Excellent stakeholder management and communication skills.

Qualifications & Experience

• Graduation or Post Graduation

  .

• 15+ years

  of experience in risk engineering, underwriting support, or loss control within general insurance.
• Exposure to

  commercial lines

  (Fire, Engineering, Marine, Liability) and

  risk survey practices

  .
• Certifications in

  risk management, safety, or loss prevention

  will be an advantage.