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Role & responsibilities - Lead underwriting assessment and pricing for Group Mediclaim, GTL, GPA, and ancillary EB products across corporate and SME segments. - Evaluate risk, analyse claims experience (loss ratios, utilisation trends, IBNR), and recommend appropriate terms, deductibles, and exclusions. - Liaise with insurers for quote negotiation, placement, and renewal management to secure best-fit solutions for clients. - Review and interpret insurer wordings, policy terms, and endorsements to ensure accuracy and compliance. - Build and maintain strong relationships with insurer underwriting desks to enable competitive positioning. - Partner with the sales team during pre-sales technical discussions, client presentations, and RFP/tender responses. - Mentor and guide junior underwriters and underwriting support staff. - Track portfolio performance and provide regular MIS loss ratio trends, renewal hit rates, and premium movement. - Stay updated on IRDAI regulations, circular changes, and market developments impacting EB products. Preferred candidate profile - 5-12 years of experience in EB underwriting within a general insurance company or insurance broking firm - Robust command over some sales orientation, Group Health, GTL, and GPA underwriting principles and pricing. .