# Experience-Rated Underwriting

**Company**: The Cigna Group
**Location**: Riyadh, Saudi Arabia
**Experience**: senior
**Job type**: full-time
**Category**: Insurance
**Industry**: Healthcare

**Apply**: https://cigna.wd5.myworkdayjobs.com/en-US/cignacareers/job/Riyadh-Saudi-Arabia/KSA-Underwriting-Lead-Analyst_26011596?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_ae9959ef-af0

## Description

We are seeking an experienced underwriter to join our team in Riyadh, Saudi Arabia. As an Experience-Rated Underwriter, you will evaluate, modify, and price benefits for large corporate new business and renewal quotations in compliance with underwriting guidelines.

**Key Responsibilities:**

- Evaluate, modify, and price benefits for large corporate new business and renewal quotations in compliance with underwriting guidelines.

- Build effective relationships with sales and client management partners to win and retain business.

- Identify possible areas of improvement in the Large Corporate underwriting workflow.

- Collaborate with underwriters in other offices on regional opportunities.

**Focus on Data Governance and Process Improvements:**

- Assess, validate, and analyze datasets available for underwriting, with a clear understanding of the underlying concepts.

- Ensure data governance and consistency across underwriting data pipelines and reporting tools.

- Drive automation of reporting tools and improve data models for scalable analysis.

**Performance Monitoring and Reporting:**

- Develop and manage portfolio reporting across key underwriting, portfolio, and financial KPIs.

- Conduct variance analysis (actual vs. expected, plan delivery, forecasts) and identify key performance drivers.

**Portfolio Management and Optimisation:**

- Assess and challenge pricing strategies across business segments and channels.

- Evaluate the impact of pricing thresholds and decisions on growth, profitability, and market standing.

- Support and own pricing frameworks and underwriting guidelines, including periodic review.

**Business Insights and Stakeholder Management:**

- Provide analytical input into annual operating plans, forecasts, and strategic plans.

- Identify structural performance gaps across segments, channels, and locations, and translate data into actionable recommendations.

- Support cross-functional initiatives with Sales, Strategy & Planning, Actuarial, Finance, and Operations.

**Governance and Control:**

- Ensure effective embedded controls to detect inappropriate underwriting practices.

- Ensure underwriting policies, procedures, and guidelines are implemented, enforced, and periodically reviewed.

- Keep underwriting practices compliant with the latest regulatory requirements and Cigna standards.

## Skills

### Required
- underwriting
- data analysis
- pricing strategy
- portfolio management
- regulatory compliance

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Source: [Apply at cigna.wd5.myworkdayjobs.com](https://cigna.wd5.myworkdayjobs.com/en-US/cignacareers/job/Riyadh-Saudi-Arabia/KSA-Underwriting-Lead-Analyst_26011596?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)