International Personal Lines Senior Underwriter – APAC

Purpose

The Senior Underwriter is responsible for evaluating, selecting, and managing insurance risks in accordance with company guidelines and profitability targets. This role provides technical leadership, supports portfolio growth, and ensures underwriting discipline across 

Asia Pacific International Personal Lines portfolio.

Responsibilities

• Review risk submissions within assigned authority limits and support the preparation of business proposals for opportunities with partners, portfolio transfers, and product changes. This includes development of the P&L, pricing analysis and policy terms and conditions.
• Develops data and analytics that support profit and loss for the LOB and provides detailed analysis of product performance and growth. 
• Supports the formulation and implementation of strategies through analysis of competitive position, marketplace dynamics, pricing segmentation, profile trending and exposure level analysis.
• Strengthen the underwriting governance structure and framework for Residential, Auto, Specialty Personal Lines, and Extended Warranty in APAC, including providing underwriting trainings. 
• Undertake APAC audits to ensure all compliance, underwriting best practice, policy/procedures and guidelines are being adhered to.
• Risk Assessment:Evaluate and underwrite personal lines risks timely and in accordance with company guidelines and risk appetite.Conduct detailed risk analysis using date and make informed decisions on referrals.Communicate with internal and external stakeholders to secure information for risk assessment. Present quotes to stakeholders and manage discussions with stakeholders for any adjustments. Manage and document referrals to higher authorities, ensuring timely and accurate communication.Provide technical guidance to junior underwriters and country teams.
• Determine Technical Pricing:Utilize market statistics and company experience data to determine appropriate premiums.Adjust pricing based on risk characteristics, market conditions, and profitability targets.Hold discussions with stakeholders to explain selected premiums. 
• P&L Creation:Build and maintain bottom-up P&Ls statements for assigned portfolios.Monitor performance against targets and recommend corrective actions where necessary.
• Data & Analysis:Analyze portfolio performance, monitor loss ratios, and recommend corrective actions to ensure profitability. Use data-driven insights to support underwriting decisions and portfolio management.
• Underwriting Governance:Contribute to the development of underwriting guidelines and best practices.Lead or participate in underwriting audits and process improvement initiatives.
• New Programs and Initiatives:Support with implementation of new programs and initiatives by providing product knowledge and policy documents (such as policy wordings).Set up product in accordance with best practices for portfolio monitoring after.

Qualifications

• At least 5-8 years of experience in underwriting on mass consumer products, preferably in Residential Insurance, Auto Insurance, Mobile Insurance, Cyber Insurance and Extended Warranty.
• Experience working with cross-functional and senior leadership teams.
• Experience with APAC markets preferred.
• Strategic & Commercial Thinking:Balance risk selection with commercial objectives to achieve profitable growth.Collaborate with distribution, claims, and actuarial teams to optimize product offerings and pricing strategies.
• Stakeholder Influence & Engagement:Build and maintain strong relationships with senior stakeholders, including the Head of Personal Lines APAC, Head Office Underwriters, and local Personal Lines Heads.Engage with senior personnel to align underwriting strategies with regional and global objectives.Present portfolio performance, risk insights, and recommendations to senior management.Influence decision-making by providing expert advice and market intelligence to senior stakeholders.
• Orientation to results: Is passionate about achieving top business results, setting own ambitious goals and measures that go beyond those expected for the business, and then striving to achieve those results