Senior Underwriter

Job description

About Company

• Aviva plc is a British multinational insurance company headquartered in London, England. It has about 18 million customers across its core markets of the United Kingdom, Ireland and Canada. And Aviva India, a subsidiary of the global Aviva group, is a dynamic and growing player in the Indian insurance market.
• About us: -

https://en.wikipedia.org/wiki/Aviva

• Aviva Fortune 500 Company:-

https://fortune.com/company/aviva/global500/

• HR Spoc LinkedIn: -

https://www.linkedin.com/in/aryan-raj-76247175/

Role objective-

A Senior Manager - Underwriting at Aviva Life Insurance (HO) functions as a critical team lead role blending high-value risk assessment with operational team management and medical/financial underwriting governance.

Formal Qualifications

• Graduate/ Post graduate in medicine/Pharma/Doctor or alternate medicine
• Certified insurance (e.g., ALU, FLMI, or equivalent actuarial/medical certifications) course would be having added weightage

Specific Responsibilities

• Evaluate complex medical and financial applications for life insurance in accordance with the established company procedures, philosophy and risk appetite
• Strong understanding of medical/financial risk analysis, regulatory compliance, data-driven decision making, KYC/AML guidelines
• Drive adherence to target turnaround times (TAT) for case processing while maintaining strict quality control and regulatory compliance
• Act as the primary liaison with reinsurance partners, actively participate in the revision of underwriting manuals, and design risk criteria.
• Stakeholder management To work closely with distribution team, internal and external stakeholders to fulfil business requirements
• High-Value Case Adjudication: Sign off on HNI or high-complexity life insurance applications that exceed the authority limits of junior underwriting staff
• To guide and mentor junior team members for enhancing UW skills to a quality decisioning
• Internal Quality Audits: Design and implement a robust department-level Quality Check (QC) framework to monitor underwriting accuracy, consistency, and compliance with the company's risk manual
• Distribution Channel Support: Act as the primary escalation point for sales agencies, bancassurance partners, and digital channels to explain complex underwriting decisions and retain business.
• Willingness to take additional responsibilities/involvement in various inter and intra department processes/projects

Technical Underwriting & Risk Assessment

• High-Value/Complex Cases:

Personally review and authorize high-risk, high-sum-assured, or complex medical and financial life underwriting applications.

• Reinsurance Consultation:

Act as an escalation point of contact for handling cases that exceed individual authority limits, liaising directly with Aviva's reinsurance partners.

• Financial & Medical Analysis:

Thoroughly assess personal/corporate financial statements, medical history, and lifestyle risk factors.

What we look for

• We look for an accomplished underwriter and an assertive operations leader who balances risk control with business enablement.
• You have a deep understanding of complex medical and financial life insurance risks, backed by experience managing department-level quality audits and regulatory compliance.
• You excel at managing diverse internal and external relationships, seamlessly collaborating with branch networks, sales distribution channels, head office executives, and reinsurance partners.
• As a people manager, you have a proven track record of developing underwriting talent, optimizing workflows under tight deadlines, and driving automated processes to improve turnaround times.
• You are a strategic thinker who uses data to solve problems, resolve escalations, and protect portfolio profitability.

What working at Aviva offers

• We offer a competitive compensation package where you are recognized for the value you bring to our business and rewarded based on your

We also offer you

• Collaborative and forward-thinking environment
• Opportunities to develop new skills and progress your career
• The freedom and flexibility to handle your role in a way thats right for you

Why Aviva

• Dynamic and collaborative team in a supportive and innovative work environment.
• Opportunities for professional growth and development.
• Competitive compensation and benefits package.
• Be a part of shaping the future of insurance in India.
• About us: -

https://en.wikipedia.org/wiki/Aviva

• Aviva Fortune 500 Company:-

https://fortune.com/company/aviva/global500/

• Website: -

https://www.avivaindia.com/

• HR Spoc LinkedIn: -

https://www.linkedin.com/in/aryan-raj-76247175/

• Shift:
• General- Five days working!
• HO & F2F_Interview location: -

Aviva India (HO) 401A, 4th Floor, Dlf Cyber Park, Phase II, Block A, Sector 20, Gurugram, Haryana 122002