Underwriter

Job title : Underwriter

Job Location : Rivers Deadline : September 30, 2026 Quick Recommended Links

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Job Summary

• Synergy Wellcare Medicaid Limited is seeking a highly experienced, strategic, and results-oriented professional to join our team as an Underwriter.
• The successful candidate will be responsible for underwriting health insurance plans, assessing risks, developing appropriate pricing and benefit structures, and supporting the organization’s profitability and business growth.

Key Responsibilities

Underwriting & Risk Management

• Lead underwriting for individual, group, SME, and corporate HMO plans.
• Assess health and financial risks to determine appropriate pricing, benefits, and exclusions.
• Develop, review, and recommend underwriting policies and premium structures.
• Analyze claims trends, utilization patterns, and provider costs.
• Design customized health plans aligned with client needs and profitability objectives.
• Review existing health plans and recommend adjustments based on claims experience and utilization.
• Monitor underwriting performance and identify potential areas of risk and loss.
• Evaluate client risk profiles and recommend appropriate premium rates and benefit structures.
• Work closely with the Business Development, Claims, Provider Management, Finance, and Operations teams to ensure commercially viable health plans.
• Support the preparation of quotations and proposals for prospective corporate and group clients.
• Participate in negotiations with clients and other relevant stakeholders on pricing, benefits, and terms of coverage.

Educational Qualifications

• Bachelor's Degree in Insurance, Actuarial Science, Business Administration, or a related discipline.
• Relevant professional certification in Insurance, Health Insurance, or a related field will be an added advantage.

Experience Requirements

• Minimum of 3 years cognate experience in an HMO or Health Insurance organization.
• Proven experience in underwriting, pricing, risk assessment, and/or business development.
• Strong understanding of HMO benefit structures, pricing models, provider tariffs, and claims utilization.
• Experience in handling corporate, group, SME, or individual health insurance plans will be an added advantage.

Core Competencies & Skills

• Strong analytical and financial evaluation skills.
• Excellent negotiation, sales, and relationship-management abilities.
• Strong understanding of HMO operations and health insurance products.
• Commercially driven with sound risk-management judgment.
• Ability to analyze claims and utilization data to support underwriting decisions.
• Ability to work independently and make sound business decisions.
• Excellent communication and interpersonal skills.
• Strong attention to detail.
• High level of professionalism, confidentiality, and integrity.