Key Responsibilities:

- Assess and evaluate liability and cyber risks based on client information, financials, risk management practices, security controls, industry exposure, and historical claims experience.

- Assess the client's cybersecurity posture, including controls around data protection, network security, business continuity, access management, incident response, and ransomware preparedness.

- Underwrite Cyber Liability and other liability risks in accordance with the company's underwriting guidelines, risk appetite, authority limits, and governance framework.

- Analyze risk information and determine appropriate coverage, terms, conditions, deductibles, limits, exclusions, and pricing.

- Structure insurance programs and provide commercially viable underwriting solutions based on risk assessment and prevailing market conditions.

- Review complex and non-standard risks and provide appropriate underwriting recommendations.

- Monitor portfolio performance, risk accumulation, claims trends, pricing adequacy, and emerging exposures.

- Maintain awareness of evolving cyber threats, including ransomware, data breaches, business interruption, social engineering fraud, phishing, and other cyber-related incidents.

- Keep abreast of changes in regulations, market practices, policy wordings, emerging risks, and competitor offerings within the liability and cyber insurance market.

- Collaborate closely with brokers, clients, claims teams, risk engineering/technical teams, actuarial/pricing teams, and other internal stakeholders.

- Develop and maintain strong relationships with brokers and clients while ensuring underwriting discipline and adherence to risk appetite.

- Support portfolio growth through sound underwriting practices while maintaining appropriate risk-adjusted profitability.

- Provide guidance and technical support to underwriting team members and contribute to knowledge-sharing and capability development.

- Participate in development and refinement of underwriting guidelines, processes, risk assessment frameworks, and product propositions.

- Ensure timely completion of underwriting activities, documentation, referrals, and approvals in accordance with internal processes.

Skills:

- Good understanding of cyber security framework.

- Familiar with cyber risks viz ransomware, data breaches, social engineering fraud etc.

- Good analytical, negotiation and communication skill.

Education:

- Master's or Bachelor's degree preferably, in Insurance & Risk management.