Risk Management

1 month ago

West Bloomfield Township, Michigan, United States The Cigna Group Full time

If you're looking to add value, make an impact, and use strong analytical and math skills in a fast-paced environment, starting your career within the Risk Management & Underwriting Leadership Development Program (RULDP) will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential customer and use that information to set premium rates for insurance coverage. As part of our Underwriting team, you will directly impact our business on a daily basis by protecting the company's sound financial position and enabling us to meet our financial commitments to our clients.

RULDP associates begin to shape their careers with program support and discussions with direct managers, mentors, RULDP peers, trainers, and program managers. RULDP offers structured technical training (ULTRA – Underwriting Leadership Training & Risk Assessment) and non-technical training (competency-based workshops), networking opportunities, formal mentoring, and exposure to a breadth of underwriting roles across multiple product lines. This multi-year development program consists of 2 rotations each typically lasting 2.5 years. In addition to rotations, you will gain insight into other roles within the Risk Management & Underwriting organization through formalized job shadows and project work. Throughout the program, you will develop the skills and competencies necessary to become a successful Risk Manager/Underwriter and future leader within our organization.

RULDP Evolve is an extensive learning opportunity that guides your experience through the early stages of your Risk Management & Underwriting career. The program includes a mixture of instructor-led classroom training, self-study, and on-the-job experiences. Most associates will start their first rotation supporting our health care side of the business and will have an opportunity to take on new responsibilities and experiences within their second rotation. These new experiences could include the following:

  • New Market (different geographies)
  • New Buyer Group (employer size)
  • New Product (ex. Supplemental Health, Pharmacy, Dental, etc.)
  • New Responsibilities within the same team (ex. project work, mentor opportunities, increased exposure to brokers/clients, book of business management, etc.)

What you'll do:

Upon starting in RULDP's EVOLVE, you will complete training through our Underwriting Leadership Training and Risk Assessment (ULTRA) curriculum. This multi-faceted program is designed to be one year in length, starting with 11 weeks of technical classroom training. This curriculum provides associates with the knowledge, skills and competencies necessary to meet the performance objectives of the Risk Management & Underwriting position, including in-depth training on our products & services, insurance basics, risk analysis & rate projection, negotiation skills, systems & tools, and contract language & terminology. Immediately following the initial training, you, with Mentor support, will transition into underwriting for a market specific team equipped to make an immediate contribution to the business and earnings results.

Career Path:

Upon completion of your technical training (ULTRA), you will be part of a team responsible for defining the appropriate premium rate level and plan design structure of cases, evaluating total case profitability, and conducting customer negotiations with Sales and Account Management on their book of business. You will also have the opportunity to build successful, productive relationships with matrix partners within the business, while receiving continuous career development and mentoring throughout your program experience.

Qualifications:

  • Bachelor's degree in the following major and/or minors are preferred: Risk Management, Economics, Finance, Accounting, Management, Mathematics, Business, or a related field
  • 0-3 Years of relevant work experience
  • Preferred GPA of 3.0 or higher
  • Strong analytical and problem-solving skills
  • Ability to negotiate
  • High comfort level with math/numbers
  • Excellent verbal and written communication skills
  • Strong business acumen with leadership, innovative thinking, and customer centric mindset

Other Information:

  • Program Start Date: June 9th, 2025
  • Location: Hybrid in Bloomfield, CT; Philadelphia, PA; Chattanooga TN; Franklin, TN; Scottsdale, AZ or Denver, CO. A hybrid position means that you will be expected to work in-person at your assigned office location 3 days a week with flexibility to work at home for balance of time.
  • Timeline: Our recruitment process consists of several rounds including a recruiter phone screen and 2 rounds of interviews. Our final round interview days will take place in-person in late October with the expectation of candidate travel to an office location. Recruitment will conclude by mid-November.
  • Work Authorization: This role is open only to individuals who are eligible for employment in the United States and who would not require visa sponsorship now or in the future.

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband or fiber optic internet service provider with speeds of at least 10Mbps download/5Mbps upload.For this position, we anticipate offering an hourly rate of USD / hourly, depending on relevant factors, including experience and geographic location.

This role is also anticipated to be eligible to participate in an annual bonus plan.

We want you to be healthy, balanced, and feel secure. That's why you'll enjoy a comprehensive range of benefits, with a focus on supporting your whole health. Starting on day one of your employment, you'll be offered several health-related benefits including medical, vision, dental, and well-being and behavioral health programs. We also offer 401(k) with company match, company paid life insurance, tuition reimbursement, a minimum of 18 days of paid time off per year and paid holidays. For more details on our employee benefits programs, visit Life at Cigna Group.

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.

The Cigna Group has a tobacco-free policy and reserves the right not to hire tobacco/nicotine users in states where that is legally permissible. Candidates in such states who use tobacco/nicotine will not be considered for employment unless they enter a qualifying smoking cessation program prior to the start of their employment. These states include: Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Iowa, Kansas, Maryland, Massachusetts, Michigan, Nebraska, Ohio, Pennsylvania, Texas, Utah, Vermont, and Washington State.

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