Risk & Underwriting Analyst

Overview Cigna Global Healthcare Benefits (CGHB) is continuing to grow across the Middle East as is our experience and expertise. The Middle East Underwriting team has played a key role in this success and they are now looking to recruit an additional Underwriter to join the team in Dubai during an exciting time of strategic change. This role reports directly into the Underwriting Manager and involves fundamental risk analysis, rate development, pricing and consultative underwriting responsibilities. As an Underwriter, the successful candidate will play a key role in attaining profitable growth, persistency, and earnings for the organization. Must have the ability to make effective decisions within their Underwriting authority based on strong knowledge of all financial implications, both internal and external. Has thorough knowledge of factors that influence market and competitive conditions and can use predictive techniques to calculate future risk exposure. Has an understanding of the typical product suite, regulatory guidelines and operational processes that support the health insurance industry. Looking for a candidate who brings energy, creativity and a passion for self-development. Critical Tasks and Expected Contributions / Results: Evaluate, price and build insurance plans for SME and Large corporations in line with organizational and market strategy In depth analysis and pricing of renewal portfolio, working with relevant sales representatives, brokers and clients to implement required rating actions Manage portfolio of accounts, balancing long term profitability, persistency and growth Conduct analytical reviews to identify and understand trends, patterns and insights that are used to successfully manage portfolio Working closely with sales and client management to win and retain business Working closely with operations and clinical teams to ensure the appropriate use of products Maintaining strong relationship with finance and actuarial teams to ensure the effectiveness of pricing strategies and models Investigate any non-compliance of benefit adjudication and liaise with appropriate managers to ensure compliance Provide concise, clear and decisive instructions on risk exposure Be market aware; understand the competition, the environment and customer needs Provide accurately and timely UW metrics to the Underwriting Manager Skills Required High level of numeracy Data analytics and predictive modelling Problem solving and critical thinking Results oriented Strong business and financial acumen Proficient in Excel and other Microsoft suite programs Exceptional team working skills Excellent English verbal and written skills Personal Competencies Required Listens to customers, business partners, and competitive intelligence to deliver winning, profitable and market-leading underwriting outcomes Ability to make quick, informed and commercially sensible decisions without being wrongly influenced by outside parameters/business partners Ability to negotiate and resolve conflicts quickly and effectively Strong time management skills with the ability to prioritize effectively High degree of professional and ethical integrity Analytically minded with the ability to investigate and solve problems that arise Energetic, passionate and innovate with regards to work and personal development Ability to hold articulate and confident conversations Education and Other Requirements: A graduate degree in Mathematics, Statistics, Engineering or closely related field Up to 5 years’ working experience A passion for analytics, with proven experience Knowledge of the health insurance industry is preferable Pursuit of professional qualifications or continued development will be viewed favorably About Cigna Healthcare Cigna Healthcare, a division of The Cigna Group, is an advocate for better health through every stage of life. We guide our customers through the health care system, empowering them with the information and insight they need to make the best choices for improving their health and vitality. Join us in driving growth and improving lives. Qualified applicants will be considered without regard to race, color, age, disability, sex, childbirth (including pregnancy) or related medical conditions including but not limited to lactation, sexual orientation, gender identity or expression, veteran or military status, religion, national origin, ancestry, marital or familial status, genetic information, status with regard to public assistance, citizenship status or any other characteristic protected by applicable equal employment opportunity laws. If you require reasonable accommodation in completing the online application process, please email: for support. Do not email for an update on your application or to provide your resume as you will not receive a response.