Risk and Medical Underwriting Advisor-Hybrid

4 weeks ago

Philadelphia, United States The Cigna Group Full time

Job Description

Underwriting at Cigna: If you’re looking to use strong analytical, risk management, and portfolio management skills in a competitive, fast-paced environment, an Underwriting career at Cigna will allow you to do all this and more. Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies. As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna‘s sound financial position which enables us to meet our financial commitments to our customers.

Core Responsibilities:

  • Ability to quickly learn manual and claim experience rating models and related pricing tools.

  • Perform case-specific risk assessments and rate development for presale and inforce business for large and complex cases independently.

  • Develops strategic recommendations related to market competition, product development, and market pricing decisions.

  • Drive consultative engagement with Sales and Producers/Clients through presale and inforce case level strategies, and market discussions

  • Assist Sales as financial consultant on case-specific issues. Possesses an in depth understanding of manual rating models, claim experience projections, pricing tools, pricing adjustments and available plan designs.

  • Manages a complex book of business, with a variety of funding types, focused on attaining profitable growth, persistency, and earnings. 

  • Responsible for driving engagement with other Underwriting areas to optimize cross-sale opportunities with a whole-case underwriting view.

  • Actively collaborates with product/pricing matrix partners to provide expertise/input on market level product and pricing needs.

  • Works autonomously.  Exercises judgment in the evaluation, selection, and adaptation of both standard and complex techniques and procedures.

  • Independently hold calls with Sales, brokers, or clients.

  • Mentors less experienced underwriters serving as technical and strategic subject matter expert on complex issues.

  • Influences underwriting best practices and leads by example to the rest of the team.

  • Leads or provides advanced professional input to complex Risk & Underwriting assignments/projects, partnering with management to provide innovative ideas and strategic input to continuously improve processes and efficiencies.

  • This role includes internal project work which makes up 10-15% of the time in role. Projects focus on strategy and process improvement.

Minimum Qualifications:

  • Bachelor's degree in the following majors and/or minors are preferred, but not required: Risk Management, Economics, Finance, Accounting, Management, Mathematics, and/or Business

  • 5+ years medical underwriting experience required

  • Strong analytical and problem solving skills

  • Ability to manage complex cases and thrive in an ever-changing market segment.

  • Excellent decision making and negotiation skills

  • Excellent verbal and written communication skills

  • Passion and dedication to become a leader in the health service industry

  • Innovative thinking, customer-centricity and analytical problem-solving skills

  • Track record of leadership and influence

  • Demonstrated ability to effectively communicate with all levels of the organization


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