Role : Manager - US Life Insurance Underwriting(Rule Engine Expert)
Job Location: Allianz Services, Kharadi, Pune
Mode of work: WFO
Experience : 12 to 18 years
Skills: Rule Engine , Business Rule engine or decision modelling systems , US Life insurance Underwriting, Automation tools
Role Overview: We are looking for an experienced Underwriting Automation Specialist with expertise in rule engines and rule creation, specifically within the US life insurance industry.
- The ideal candidate will have a strong grasp of US Life underwriting processes, automation systems, and data-driven decision modelling, enabling them to translate business logic into intelligent rules and workflows.
- This role plays a vital part in developing, testing, and refining automation models that improve underwriting accuracy and efficiency across global teams.
Key Responsibilities:
- Develop, test, and enhance underwriting rules and automation workflows.
- Partner with underwriters to convert guidelines into executable logic and decision rules.
- Leverage behavioural economics to script underwriting questions (question engine) that guide insureds toward clear disclosures, improving response accuracy and underwriting data quality.
- Collaborate with technology teams to integrate diverse data sources into automated systems.
- Support the creation of proprietary models and decision engines for automated underwriting.
- Conduct UAT testing to validate rule functionality and accuracy.
- Serve as a liaison between underwriting and technology teams, ensuring seamless collaboration and understanding.
- Ensure all rules and data usage adhere to US regulatory and compliance standards.
- Build underwriter confidence in automation by demonstrating accuracy, transparency, and consistency in rule logic.
- Contribute to long-term plans for scalability and building in-house models
Good to have qualifications:
- Strong understanding of US Life Underwriting and relevant state regulations.
- Background in medical or technical disciplines (e.g., doctors / pharmacy graduates or analysts with automation experience).
- Proven experience with automation tools, rule engines, or decision modelling systems.
- Familiarity with a broad range of US data sourcesmedical, non-medical, pharmacy, and public records. ( eg: EHRs, APS, credit scores, MIB etc.)
- Hands-on experience in rule testing, UAT, or automation deployments.
- Strong analytical, communication, and stakeholder management skills.
- Demonstrated ability to collaborate across business and technology functions.
- Comfortable working with global teams across time zones.
Interested candidates, please share your resume to [Confidential Information]
Disclaimer: At Allianz, we believe in a diverse and inclusive workplace and in giving fair and equitable opportunities to all our employees, so everyone can succeed. We, the Allianz Services India family, welcome all applications from all regardless of gender identity and/or expression, sexual orientation, race or ethnicity, age, nationality, religion, disability, or philosophy of life
