Underwriting Consultant

Job Summary:

This is a remote position based in California. The Underwriting Consultant will support the efforts that align to our Strategic Accounts Line of Business in California, which covers Kaiser Permanente's largest Public and Private employer purchasers across the State. The consultant will evaluate moderately complex data to understand premium, claim, exposure, and population. They will identify and escalate actionable data insights/irregularities, recommending solutions. The consultant will create/use/document models, tools, and assumptions that support business strategy analysis and risk management. They will make recommendations to improve the implementation of quality and process improvement efforts. The consultant will work in support of department initiatives, program, and enterprise goals. Independently, they will assess the risk of accounts. The consultant will leverage advanced knowledge of the external business environment. With guidance as needed, they will present renewal recommendations to clients/organization. The consultant will collaborate internally to develop case/investment strategies. They will drive the development of rates and account plans that mitigate risk. The consultant will negotiate rates with external parties. They will help moderately complex customers understand the underwriting approach. The consultant will address complex data needs and requests. They will build relationships and influence outcomes with customers and channel partners. The consultant will work with internal partners to bring financial solutions to increasingly complex customers. They will provide self/peer review of complex cases. The consultant will maintain compliance with relevant policies, guidelines, and procedures.

Key Responsibilities:

The Underwriting Consultant will promote learning in others by proactively providing and/or developing information, resources, advice, and expertise with coworkers and members. They will build relationships with cross-functional/external stakeholders and customers. The consultant will listen to, seek, and address performance feedback. They will proactively provide actionable feedback to others and to managers. The consultant will pursue self-development. They will create and execute plans to capitalize on strengths and develop weaknesses. The consultant will lead by influencing others through technical explanations and examples. They will provide options and recommendations. The consultant will adopt new responsibilities. They will adapt to and learn from change, challenges, and feedback. The consultant will demonstrate flexibility in approaches to work. They will champion change and help others adapt to new tasks and processes. The consultant will facilitate team collaboration to support a business outcome. They will complete work assignments autonomously. The consultant will support business-specific projects by applying expertise in subject area and business knowledge to generate creative solutions. They will encourage team members to adapt to and follow all procedures and policies. The consultant will collaborate cross-functionally and/or externally to achieve effective business decisions. They will provide recommendations and solve complex problems. The consultant will escalate high-priority issues or risks, as appropriate. They will monitor progress and results. The consultant will support the development of work plans to meet business priorities and deadlines. They will identify resources to accomplish priorities and deadlines. The consultant will identify, speak up, and capitalize on improvement opportunities across teams. They will use influence to guide others and engage stakeholders to achieve appropriate solutions. The consultant will analyze and report on data by evaluating moderately complex data to understand premium, claim, exposure, and inform understanding of population risk. They will apply advanced knowledge to evaluate credibility, utilization, and risk based on population size and prior predictive behavior of the pool/account. The consultant will identify and escalate actionable insights and potential data irregularities and recommending solutions. They will determine and execute on the best course of action for creating and using models (e.g., rate models and benefit pricing tools) and data analytics tools that support the analysis of business strategy and financial/underwriting risk management. The consultant will consistently document models, tools, assumptions, and data elements for increasingly complex accounts, as required. The consultant will complete case and underwriting work by independently processing renewal activities (e.g., running reports, re-quotes, investments, sold rates) for customers and/or book of business. They will collaborate with internal departments to drive the development of rates that appropriately mitigate risk for the organization and optimize sustainable membership growth. The consultant will exercise judgment and discretion when developing and executing an account plan that addresses threats and opportunities to ensure attainment of goals in collaboration with Sales and Account Management. They will negotiate rates with external parties (e.g., brokers, consultants, and customers). The consultant will represent Underwriting in partnership with internal and external partners to co-create effective consultative solutions (e.g., case strategy, investment strategy, benefits strategy). The consultant will contribute to case review and preparation by independently conducting account risk assessment using competitive analyses, broker behavior, network cost profiles, legislative and regulatory impacts, revenue requirements, and contributions, with guidance as needed, especially when working on complex cases. They will utilize data and standardized tools to present underwriting and renewal actions and recommendations (e.g., rate drivers, potential risk, glide path, membership impact, projections for future) to clients and/or the organization, with guidance as needed. The consultant will develop, apply, and expand advanced knowledge of the external business environment and how it applies to the line of business and/or region. They will collaborate with Sales and Account Management to develop case/investment strategies and recommendations with appropriate documentation. The consultant will engage with the external market by helping moderately complex market/customers understand the underwriting approach (e.g., rating methodology, rate drivers, reporting capabilities, and uniqueness from fee for service carriers). They will address complex data needs and requests reactively and proactively, as they arise. The consultant will build relationships and influence outcomes with customers and channel partners that enable them to understand KPs value. They will collaborate with account management and sales partners to bring strategic, financial solutions to customers, communicate product capabilities, explain funding arrangements, and negotiate conditions of offering and pricing within the limits of their authority for increasingly complex accounts. The consultant will contribute to goals, initiatives, and program development efforts by making recommendations to address issues in implementation of innovative new quality and process improvement efforts. They will execute their work in support of department initiatives, program goals, and enterprise goals. The consultant will ensure compliance of Underwriting work by providing self/peer review of complex cases, as required, to ensure accuracy and appropriateness of quotes and incorporating feedback from others. They will appropriately obtain and document case approvals and any policy exceptions and investments. The consultant will make investment decisions within their authority and escalate to the appropriate level, as needed. They will maintain awareness of and compliance with all relevant policies, guidelines, and procedures, applying them to their own work.

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