Underwriting Line Leader

About the company

Our team is looking for an Underwriting Line Leader for marine and cargo insurance, who will head the marine insurance (hull, cargo, freight, liability) and cargo insurance direction. You will be responsible for the profitability, quality, and development of the underwriting portfolio, as well as for building a professional team.

Your tasks

• Perform underwriting of complex and large risks in the marine hull, marine cargo, freight, liability segments and related coverages
• Develop and implement underwriting standards, risk assessment methodologies, and pricing methodologies for the line
• Formulate and review tariff policy, ensuring the adequacy of insurance premiums considering the quality of the object and risk profile
• Conduct selection and segmentation of the portfolio, identify risk concentrations, and develop measures to mitigate them
• Provide expertise on contracts, including analysis of terms, clauses, deductibles, and liability limits
• Interact with reinsurers, brokers, and relevant departments on matters of risk placement and support
• Participate in the settlement of complex losses, acting as an expert on underwriting matters
• Mentor and develop line underwriters, acting as a methodologist and an escalation point for complex cases.

Requirements

• Higher education (finance, economics, law, transport, or technical)
• At least 3–5 years of experience in underwriting, of which at least 2 years are in marine insurance and/or cargo insurance
• Knowledge of the procedure for assessing the quality of insurance objects and insurance risks, including the analysis of vessels, cargo, routes, carriers, and warehouse infrastructure
• Knowledge of underwriting technologies and the execution of insurance contracts, including working in accounting systems and document management
• Understanding the basics of actuarial methods and approaches to assessing premium adequacy, understanding the structure of RPNU and the impact of underwriting decisions on reserves
• Knowledge of selection (segmentation) of objects and insurance risks, building a risk model of the portfolio for the line
• Comprehensive assessment of insurance risks, including analysis of loss ratios, history, technical, and operational characteristics of the object
• Expertise and structuring of complex contracts, development of non-standard coverage terms
• Negotiation skills with clients, brokers, and reinsurers at the decision-making level
• Analytical thinking, ability to work with large datasets and draw conclusions for portfolio management
• Leadership skills: task setting, mentoring, methodological support for the team
• Proven experience working with complex and large risks, independent decision-making within limits
• English language at a level sufficient for working with international clauses, correspondence, and documentation (Intermediate and above)
• High degree of responsibility and readiness to take decisions on complex risks
• Ability to argue a position and uphold underwriting discipline
• Ability to use neural networks in daily work.

General education; Experience: 5 years

What we offer

• Office work format, modern office in Moscow, Prospekt Mira metro
• Preferential mortgage lending terms
• Prime subscription with the possibility of shared use among three close relatives
• VHI from day one and insurance discounts for relatives
• Corporate pension program
• Children's recreation and gifts at the Company's expense
• Training at the Company's expense: online courses, unlimited access to the library and training at the Corporate University, trainings, meetups, and the opportunity to obtain new qualifications.