Associate Manager - Health Underwriting

Location: Bangalore

About the Team

The Health Underwriting team at Navi plays a critical role in the risk management of Navi's health insurance portfolio. The team manages the end-to-end evaluation process of health insurance proposals with a strong focus on accuracy and adherence to underwriting guidelines and policies of the Company.

About the Rol

eAs an Associate Manager - Health Underwriting, you will evaluate health insurance proposals end-to-end by referring to medical examination reports, health reports, past medical records and related data of prospective health insurance customers. You will be expected to maintain adherence to the underwriting guidelines and policies of the Company to take accurate, fair and compliant underwriting decisions

.
Must Hav

• esQualification : Medical Graduate in any stream (MBBS, BAMS, BHM
• S)Experience: Minimum 2 years of clinical experien
• ceTechnical Skill
• s:Good command of advanced medical terminology is essential, coupled with knowledge of anatomy, physiology, disease processes, pharmaceutical regimens to assess chronic and acute condition
• s.Good ability to analyze medical data and make sound decision
• s.Communication Excellence: Good command of written and spoken English and Hindi. Multilingual ability is an added advantag
• e.Soft Skill
• s:Strong interpersonal and logical thinking skills to handle tasks independentl
• y.Flexible and adaptable to a changing and digital-first work environmen

t.
What We Expect From

You1. Risk Assessment and Decision Mak

• ingEvaluate and underwrite insurance applications by meticulously reviewing applicant profiles, including medical reports, health records, and general application da
• ta.Determine insurability and classify risk levels associated with applican
• ts.Render final underwriting decisions (approval, modification, or decline) based on established underwriting guidelines and risk management principles, often requiring the procurement of additional medical informati
• on.Ensure all underwriting decisions adhere strictly to company policies, legal regulations, and best-practice risk management standar

ds.2. Operational Management and Complia

• nceMaintain detailed and accurate underwriting records for audit readiness and transparen
• cy.Ensure rigorous adherence to Standard Operating Procedures (SOPs) and Turnaround Times (TATs) throughout the health underwriting proce
• ss.Prepare and analyze periodical underwriting reports detailing key operational parameters such as productivity, quality, and workflow efficien

cy.3. Stakeholder and Customer Engagem

• entServe as a key point of contact for handling underwriting-related queries directly from customers and for resolving complex grievances within defined TATs and SL
• As.Effectively coordinate with Operations, Customer Service, and Claims teams to ensure seamless processes and deliver a superior customer experien
• ce.Manage relationships and performance of external vendors involved in the underwriting proce

ss.4. Process Improvement and Expert

• iseActively contribute to the continuous improvement of underwriting processes, guidelines, and risk assessment too
• ls.Maintain up-to-date knowledge of relevant medical developments, evolving insurance industry trends, and regulatory changes to inform underwriting practic

es.
Inside

NaviWe are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we're building tech-first solutions that work at scale, with a strong customer-first appro

ach.
Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India's fastest-growing financial services organisations. But we're just getting sta

rted!
Our C

ultureThe Nav

i DNA Ambition. Perseverance. Self-awareness. Ownership. Inte

grity.We're looking for people who dream big when it comes to innovation. At Navi, you'll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you're driven to deliver real value to customers, no matter the challenge, this is the place fo

r you.We chase excellence by uplifting each other—and that starts with every one

of us.
Why You'll Thrive

at NaviAt Navi, it's about how you think, build, and grow. You'll thrive h

• ere if:You're impact

-drivenYou take ownership, build boldly, and care about making a real diff

• erence.You strive for exc

ellenceGood isn't good enough. You bring focus, precision, and a passion for q

• uality.You embrace

changeYou adapt quickly, move fast, and always put the customer