Risk Engineer (Prive)

CAREER OPPORTUNITY

Prive has a position available for a Prive Risk engineer

JOB DESCRIPTION

The position will have full accountability for the risk engineering and high-level underwriting of all very large Commercial Property policies with exposures greater than R250m at every stage of the policy lifecycle i.e. from quote stage to amendments to renewal of these policies and will therefore require a certain level of discretion to be considered and applied. The incumbent will be expected to know these policies intimately and be able to discuss details directly with brokers, clients, giving advice where required and suggesting solutions.

KEY RESPONSIBILITIES

• Identify hazards and risk exposures at the premises and to advise of risk improvement requirements


• Review survey reports provided from internal and external stakeholders to assess the risk and to provide risk reduction requirements or alternative risk management measures for the risk.


• Review surveys & QA of completed survey reports 


• Assist Underwriters in risk selection and retention by providing loss control expertise


• Evaluate fire plans, rational designs and other technical documents.


• Technical support to underwriters and technical managers


• Read and Interpret the survey report requirements and prepare RRR letters for brokers.


• Discuss renewals with internal commercial underwriters, brokers and technical managers for these policies and have intimate understanding of these policies so that you can have an informed discussion with brokers, Technical Managers and Commercial Property Specialist where necessary


• Perform underwriting reviews (new business, amendments, multi claimants and renewals)


• Conducting desktop assessment according to retention class and exposure


• Engage fire engineers, local fire authority and various stakeholders


• Managing the incoming work pools on surveys and compliance


• Sound understanding of the National Survey Policy


• Execution of the end-to-end survey function


• Dealing with queries from internal and external stakeholders


• Follow up on risk reduction requirements and handle of compliance function.


• Read and Interpret the survey report requirements and prepare RRR letters for brokers incl. handling RRR negotiations under the guidance of the relevant Technical Manager


• Adhoc support to the underwriting team

QUALIFICATIONS AND EXPERIENCE

• Matric


• Engineering qualification at least on an NQF level 6


• FPA Fire engineering Courses


• Santam RIA Modules


• Advanced knowledge of all relevant SANS and firefighting codes/standards.


• Minimum 3 years risk surveying and/or engineering experience.


• Computer literate (MS Word, Excel and PowerPoint – intermediate proficiency levels) 

SKILLS

• Working knowledge of the CRM systems


• Communication and understanding of Basic & Advanced fire hazards, firefighting, risk identification etc.


• Knowledge of the Commercial Insurance product


• Ability to cope with conflicting demands and to prioritize tasks


• Appreciation of surveying and underwriting principles


• Commercial and profit driven


• Execution and deadline-oriented


• Good communication skills (verbal and written)


• Keen attention to detail


• Teamwork and cooperation  

COMPETENCIES

• Flexibility


• Excellent interpersonal, communication and networking skills


• Strong client service orientation


• Ability to work under pressure


• Self-confidence


• Problem solving


• MS Office package proficiency

ABOUT SANTAM

Santam is the market leader in the general insurance industry in Southern Africa. As a large, diversified, and expanding company, we are committed to transformation and growth. While our headquarters are in South Africa, we are rapidly extending our presence into emerging markets across Africa and Asia.

With a client base of over 1 million policyholders, Santam serves individuals, commercial enterprises, specialist business owners, and institutions—including 80 of the Top 100 companies listed on the JSE. Our commitment to Insurance, Good and Proper goes beyond just providing cover—we offer peace of mind, ensuring our clients can focus on living in the moment, not worrying about the unexpected. Because at Santam, we believe the freedom to seize every day is worth protecting.

People drive our business, and we are committed to attracting the best talent, whether for permanent roles or short-term opportunities. 

Santam is committed to diversity, inclusion, and belonging. As an equal opportunity employer, we encourage applications from candidates of all backgrounds, including persons with disabilities. We are dedicated to neuro-inclusivity and fostering a workplace where everyone can thrive. 

Take the next step in your career—apply now and be part of a company that’s shaping the future of insurance. This is Freedom!