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: - Aviva Fortune 500 Company:- HR Spoc LinkedIn: - 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: - Aviva Fortune 500 Company:- Website: - HR Spoc LinkedIn: - 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