Job Title: Underwriter

Work Location: Gurgaon

Employment Type:Full-Time

Compensation: 3 LPA – 4.5 LPA + Performance Incentives

Role Overview

The Underwriter will be responsible for evaluating insurance applications, assessing risk profiles, reviewing policy-related documentation, and ensuring compliance with underwriting guidelines. The role requires strong analytical skills, attention to detail, and experience in KYC and AML compliance processes.

The candidate will work closely with internal stakeholders, insurance advisors, and operations teams to support efficient and accurate underwriting decisions.

Key Responsibilities

Assess and evaluate insurance applications in line with company underwriting policies
Analyze customer profiles and risk factors to determine policy eligibility and terms
Review insurance contracts, supporting documents, and declarations for accuracy and completeness
Ensure adherence to KYC and AML compliance standards
Coordinate with sales teams, agents, and internal departments for application processing and clarification requirements
Maintain accuracy and consistency in underwriting decisions and documentation
Identify discrepancies, potential fraud risks, or incomplete information during application review
Support process improvement initiatives to enhance underwriting efficiency and customer experience

Required Skills & Competencies

Strong analytical and problem-solving abilities
Good understanding of insurance underwriting principles and risk assessment
Excellent attention to detail and decision-making capability
Effective verbal and written communication skills
Ability to work in a fast-paced operational environment
Strong coordination and stakeholder management skills

Eligibility Criteria

Education: Bachelor's degree in Finance, Business Administration, Insurance, or a related field

Experience

Minimum 1–2 years of experience in insurance underwriting
Prior exposure to KYC and AML compliance processes is mandatory

Language Requirement

Proficiency in Kannada and Hindi is mandatory

Preferred Candidate Profile

Experience in insurance operations or policy servicing
Ability to manage multiple cases with high accuracy
Strong organizational and documentation skills
Familiarity with regulatory and compliance requirements within the insurance sector

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