Vp of Underwriting

**ABOUT THE JOB**

Curative is reimagining health care and health insurance - with straightforward pricing and $0 out of pocket costs with a baseline visit.. Help us create a better healthcare experience for our members by making it easy & intuitive for them to access the care they need.

We are seeking a Vice President of Underwriting to lead Curative’s large group commercial and level funded Health Insurance Underwriting Department. This role is in Austin, TX and will be a key contributor as Curative expands and grows. As the VP of Underwriting at Curative, you will play a leadership role of operating at the forefront of overseeing and implementing the various underwriting models, practices and strategies to identify, assess, and mitigate risks as well as optimize pricing and provide a competitive advantage in the market through data analysis. You will be key in working with the actuarial and sales team to optimize models and use market intelligence to modify pricing models and proposals. Join us in shaping a secure and successful future for Curative.

**PRIMARY RESPONSIBILITIES**
- Oversees the operation of the department to ensure a high standard of quality and productivity and compliance with all established standards and procedures.
- Oversee data analysis of key indicators and analysis of a group’s experience, industry, location, and demographics.
- Assess risk characteristics to determine acceptability for new and renewal business.
- Work with Claims and Data team to understand adverse development, emerging issues, concerns, effective strategies that mitigate exposures or lessons learned and incorporate into models and procedures. Utilize statistical and analytical techniques to analyze the data and identify trends and patterns. Maintains a good understanding of standard market conditions.
- Ensure Underwriting policies and policies are maintained and updated to reflect changing rules and procedures
- Build and maintain strong relationships with internal brokers. Provides timely and effective assistance and communication with all departments, brokers and customers.
- Provide leadership and direction to underwriting staff inclusive of the company’s mission, culture and technical underwriting.
- Manages staffing levels through effective monitoring of work standards.
- Manages budget responsibilities for department
- Develops and oversees a peer review program to continuously review all aspects of the Department to ensure compliance with all established standards and procedures.
- Perform all management activities including performance management, staff development, and training.
- Performs other duties as assigned by the President.

**QUALIFICATIONS**

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions:

- Highly Developed Communication Skills: Ability to effectively communicate complex risk management concepts to diverse stakeholders and foster clear understanding across the organization.
- Team Player: Collaborative mindset, capable of working seamlessly with cross functional teams to implement risk management strategies and drive collective success.
- Change Agent: Proven ability to initiate and lead change initiatives, fostering a culture of adaptability and continuous improvement within the organization.
- Strategic and Creative Thinker: Capacity to think strategically and creatively to anticipate and address emerging risks, as well as identify innovative solutions to complex challenges.
- Excellent Project Management Skills: Proficiency in project management methodologies to effectively plan, execute, and monitor risk management initiatives,ensuring timely delivery of results.
- Ability to Drive Performance: Skill in motivating and inspiring teams to achieve high performance standards, fostering a culture of accountability and excellence throughout the company.

**EDUCATION and/or EXPERIENCE**
- Bachelor’s degree in business, finance, economics, mathematics, statistics, economics, actuarial science, business, computer science or related degree
- Experience at major insurance brokerage firm (Marsh, Gallagher, USI) preferred
- Five or more years in health insurance management.
- Five or more years’ experience in Health Insurance Large Group Underwriting and/or Product Management, data analysis and/or data management a plus.
- Proven leadership abilities to develop, direct and motivate employees and work across teams.
- Demonstrated presentation and communication skills (verbal and written).
- Sound decision making, analysis and judgment skills.
- Proficient in Microsoft Office Suite