高级承保人，意外与健康保险（美国）
VP Underwriter, Accident & Health US
Convex US 正在寻找一位充满活力、以生产为导向的副总裁 – 核保经理，负责我们在意外与健康（A&H）业务线的日常核保、风险选择和业务生产，重点关注交通运输/货运和零工经济垂直领域。该职位旨在推动盈利性保费增长，扩大我们的市场覆盖范围，并提供定制化的 A&H 保险解决方案，以满足行业特定需求。理想的候选人应具备深厚的核保能力、先进的风险分析能力和成熟的批发及零售经纪网络，以高效地承保盈利性业务。该职位将根据生产目标的达成、提案流程、续保留存率和整体组合盈利能力进行评估。
主要职责
业务生产与销售执行
- 积极识别、报价并完成交通运输和零工经济领域的新业务机会，推动单个交易的生产。
- 与 A&H 部门负责人合作，执行可操作的分销策略，拓展零售和批发代理渠道，达成目标保费目标，提升市场份额。
- 建立、维护并利用与关键经纪商、代理人和市场合作伙伴的直接关系。
- 对提案、招标书和经纪商查询做出快速响应，以在竞争环境中赢得客户。
技术核保与风险管理
- 在既定授权指南范围内，分析、结构化并核保交通运输和零工经济垂直领域的复杂意外与健康风险。
- 利用高级风险评估技术、精算洞察和定价模型，确定适当的条款、条件和费率结构。
- 进行日常组合监督，监控账户表现、赔付率和风险趋势，确保长期盈利能力。
- 在所有已承保账户中执行核保标准、监管合规和风险控制。
产品执行与组合开发
- 与精算、法律和产品团队合作，将市场需求转化为可操作的保单格式、保障扩展和专业 A&H 解决方案。
- 根据竞争反馈和实际交易结果，持续优化核保指南、保单措辞和定价工具。
- 跟踪提案流程、成交率和续保率，以最大化交易转化。
经纪商与市场参与
- 与核心经纪商建立并维持战略关系，推动业务发展和市场渗透。
查看英文原文
Convex US is seeking a dynamic, production-focused Vice President – Underwriter to lead day-to-day account underwriting, risk selection, and business production within our Accident & Health (A&H) line of business, focusing specifically on the Transportation/Trucking and Gig Worker verticals. This role is focused on driving profitable premium growth, expanding our market footprint, and delivering tailored A&H insurance solutions to meet industry-specific needs. The ideal candidate will combine deep technical underwriting capabilities, advanced risk analysis, and established wholesale and retail broker networks to write profitable business efficiently. This role will be measured on achieving production targets, submission flow, renewal retention, and overall portfolio profitability.
Key Responsibilities
Business Production & Sales Execution
- Drive individual deal production by proactively identifying, quoting, and closing new business opportunities in the transportation and gig worker sectors.
- Execute an actionable distribution strategy alongside the Head of A&H to expand retail and wholesale producer channels, hit target written premium goals, and grow market share.
- Build, maintain, and leverage direct relationships with key brokers, agents, and market partners.
- Deliver responsive turnaround times on submissions, RFPs, and broker inquiries to win accounts in a competitive environment.
Technical Underwriting & Risk Management
- Analyze, structure, and underwrite complex Accident & Health risks across the transportation and gig worker verticals within established authority guidelines.
- Utilize advanced risk evaluation techniques, actuarial insights, and pricing models to determine appropriate terms, conditions, and rate structures.
- Conduct day-to-day portfolio oversight, monitoring account performance, loss ratios, and exposure trends to ensure long-term profitability.
- Enforce underwriting standards, regulatory compliance, and risk controls across all bound accounts.
Product Execution & Portfolio Development
- Partner with actuarial, legal, and product teams to translate market demand into actionable policy forms, coverage extensions, and specialized A&H solutions.
- Continually refine underwriting guidelines, policy wordings, and rating tools based on competitive feedback and real-world deal outcomes.
- Track submission pipelines, hit ratios, and renewal rates to maximize deal conversion.
Broker & Market Engagement
- Represent Convex US at industry conferences, broker meetings, and market events to generate leads and elevate brand visibility.
- Maintain active market awareness regarding competitor pricing, product changes, and regulatory updates to optimize risk selection.
Skills, Knowledge and Expertise
- 10+ years of hands-on A&H business production or relevant underwriting experience, with specialized expertise in transportation and/or gig economy verticals.
- Demonstrated history of generating new written premium and executing sales plans through wholesale and retail distribution channels.
- Comprehensive understanding of A&H risk evaluation, policy drafting, rating mechanics, and industry regulations.
- Strong emotional intelligence, exceptional customer service standards, and proven ability to negotiate and collaborate with wholesale brokers and internal partners.
- Tech-savvy and highly organized, comfortable working with data, web-based underwriting portals, digital filing platforms, and MS Office.
- Practical problem solver who thrives in a fast-paced environment and reliably delivers quality work under tight submission deadlines.
- Asks probing questions, evaluates data critically, and solves complex underwriting challenges with sound judgment.
Originally posted on Himalayas