# Director, HNW Underwriting

**Company**: Prudential
**Location**: Singapore
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://prudential.wd3.myworkdayjobs.com/en-US/prudential/job/Singapore-Group-Head-Office/Director--HNW-Underwriting_26080087?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_ded8dc81-a45

## Description

Prudential is seeking an experienced Director, HNW Underwriting to support the Bermuda High Net Worth (HNW) business. The successful candidate will be responsible for executing end-to-end underwriting for complex, high-value life insurance cases.

The Director, HNW Underwriting will handle large and complex HNW/UHNW cases, support reinsurer engagement, and act as a key escalation and guidance point for junior underwriters. The role also supports claims adjudication and post-issuance underwriting activities, ensuring consistency with underwriting philosophy and risk appetite.

**Key Responsibilities:**

- Manage and execute end-to-end underwriting assessments for Bermuda-based policies within assigned authority limits

- Underwrite complex HNW/UHNW cases, including multi-jurisdictional structures and large sum assured policies

- Conduct medical and financial underwriting, including assessment of source of wealth/funds, insurable interest, and complex ownership structures

- Assess medical evidence and determine appropriate underwriting outcomes

- Define and manage evidence and requirements strategies for complex cases

- Ensure consistent, well-documented decisions aligned with underwriting guidelines and relevant regulations

- Support claims adjudication activities, including review of underwriting decisions at claim stage

- Assess post-issuance changes and ensure continued alignment with underwriting standards

- Identify and escalate potential underwriting risks, including anti-selection and fraud indicators

- Support portfolio performance monitoring by reviewing prepared portfolio reports and developing proposed remediating actions

- Manage case pipeline to meet turnaround time and service standards

- Partner with distribution teams, brokers, and case managers on complex case structuring

- Communicate underwriting decisions clearly and professionally

- Provide guidance and support to junior underwriters on complex case handling

- Contribute to knowledge sharing and continuous improvement of underwriting practices

**Requirements & Qualifications:**

- University graduate, preferably in Business, Risk Management, Actuarial Science, or a related discipline

- 8-15 years of life underwriting experience, with at least 4 years of exposure to HNW/large case underwriting

- Professional qualification in Life Insurance, e.g., FLMI, ALU, etc.

- Solid experience in dealing with Reinsurers, Compliance, Legal, and Distribution teams

- Proficient in English, both verbal and written

- Proficient in using Microsoft applications, e.g., Excel, PowerPoint, Word, etc.

- Experience in multi-jurisdictional or offshore insurance environments preferred

**Preferred Attributes:**

- Strong analytical and judgement skills for complex case assessment

- Ability to manage high-value cases under time pressure

- Strong communication and stakeholder management capabilities

- Experience mentoring junior team members

## Skills

### Required
- Life Underwriting
- Risk Management
- Financial Analysis
- Microsoft Excel
- PowerPoint
- Word
- Communication
- Stakeholder Management

### Nice to have
- Multi-jurisdictional insurance
- Offshore insurance
- Mentoring
- Analytical skills
- Judgement skills

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Source: [Apply at prudential.wd3.myworkdayjobs.com](https://prudential.wd3.myworkdayjobs.com/en-US/prudential/job/Singapore-Group-Head-Office/Director--HNW-Underwriting_26080087?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)