Medical Underwriter

métier - Strategic HR Solutions is hiring a 𝐌𝐞𝐝𝐢𝐜𝐚𝐥 𝐔𝐧𝐝𝐞𝐫𝐰𝐫𝐢𝐭𝐞𝐫 for one of our leading clients in Riyadh, Saudi Arabia.This role will be responsible for assessing medical risks, reviewing new business and renewals, determining appropriate underwriting terms, and supporting the profitable management of the medical insurance portfolio.𝐊𝐞𝐲 𝐑𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬Assess and underwrite new business, renewals, endorsements, and medical insurance risks.Review medical reports, declarations, claims history, and other relevant information to evaluate risk.Determine appropriate underwriting terms, including exclusions, loadings, limits, and other conditions.Review claims experience, loss ratios, and portfolio trends to support underwriting decisions.Support medical insurance pricing and rate reviews, using claims experience, portfolio data, and relevant risk factors.Work closely with Claims, Actuarial, Sales, Brokers, and Medical teams on complex cases.Ensure underwriting decisions comply with company guidelines, risk appetite, and applicable Saudi insurance regulations.Maintain accurate underwriting records and contribute to improving underwriting processes and guidelines.𝐐𝐮𝐚𝐥𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬 & 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞Bachelor’s degree in Medicine, Healthcare, Insurance, Business Administration, or a related field.Minimum 3 - 5 years of relevant experience in Medical/Health Insurance Underwriting, Pricing, or a related technical insurance function.Experience in group medical insurance and/or individual medical underwriting.Experience in medical insurance pricing, rating, portfolio analysis, or risk assessment will be an advantage.Good understanding of medical risk assessment, claims trends, loss ratios, and underwriting principles.Previous experience in the Saudi/GCC insurance market is preferred.Strong analytical, decision-making, communication, and stakeholder-management skills.Proficiency in Microsoft Office, particularly Excel.𝐑𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭𝐬Strong attention to detail and risk assessment capabilities.Ability to make sound underwriting decisions within defined authority limits.Good understanding of medical insurance products and policy terms.Professional, analytical, and commercially aware approach.