P&C General Insurance

The job opportunity is with a leading provider in the Property & Casualty (P&C) General Insurance sector, offering comprehensive risk transfer solutions to corporate and retail clients. The team utilizes data-driven analytics and industry expertise to underwrite policies that safeguard assets and ensure financial resilience. By joining this team, you will contribute to shaping innovative insurance offerings and advancing your professional growth. As an Underwriter in this role, your responsibilities will include evaluating and underwriting P&C insurance applications by conducting detailed risk assessments and determining optimal coverage terms and pricing. You will oversee end-to-end policy issuance and renewal processes to ensure accuracy, timely execution, and compliance with IRDAI regulations. Collaborating with brokers and clients, you will negotiate policy structures, address inquiries, and propose tailored risk solutions. Monitoring portfolio performance, analyzing loss trends, and recommending updates to underwriting guidelines and rate plans will also be part of your role. Additionally, strict adherence to company policies, regulatory requirements, and internal audit standards throughout the policy lifecycle is essential. Furthermore, you will partner with claims, actuarial, and product teams to support claims adjudication, rate filings, and new product launches. In terms of qualifications, you are required to have a Bachelor's degree in Insurance, Finance, Actuarial Science, or a related discipline, along with a minimum of 3 years of hands-on experience in P&C insurance underwriting or claims management. Proficiency in MS Excel and policy management systems is crucial, as well as in-depth knowledge of insurance products, risk analysis techniques, and regulatory frameworks. A strong analytical mindset with exceptional attention to detail, coupled with excellent communication and negotiation skills for stakeholder engagement, are key attributes for success in this role. Preferred qualifications include professional certifications such as CII, CIP, or equivalent, familiarity with advanced rating tools, data analytics platforms, and CRM systems, as well as experience working with digital underwriting workflows and automation tools. The company offers structured career development paths with certification support, a collaborative on-site environment emphasizing mentorship and cross-functional learning, and a comprehensive benefits package including health insurance and performance incentives. This full-time position is based on-site in India, requiring candidates to work from the office premises.,