Team Lead - Group Pricing Health Insurance Underwriting

Lead Group Pricing Health Insurance Underwriting

Reporting Manager : Head Group Underwriter

Job Description for Group Pricing Team Lead Role :

Role Summary :

Provide strategic leadership in underwriting operations ensuring timely, accurate, and compliant decisions within defined TATs. Drive zero-error quality, strong stakeholder management, and continuous process improvement aligned with business and regulatory goals.

Underwriting Governance & Decision Excellence :

- Deliver quick, accurate, and compliant underwriting decisions within authority limits while meeting TAT benchmarks

- Recommend decisions beyond authority with strong risk and compliance rationale

- Ensure error-free outputs and audit readiness

- Manage escalations with timely and structured resolution

- Review team decisions for quality, consistency, and TAT adherence

Stakeholder Management & Business Alignment :

- Act as a central liaison between underwriting, sales, risk, compliance, and operations

- Ensure clear communication and expectation alignment across stakeholders

- Balance business growth with risk discipline

- Align underwriting practices with market trends and competitive benchmarks

Quality Assurance, Compliance & Risk Control :

- Establish and drive robust quality control mechanisms ensuring minimal errors

- Ensure strict adherence to regulatory and internal compliance frameworks

- Identify risk patterns, deviations, and control gaps

- Foster a culture of accuracy, accountability, and continuous improvement

Process Optimization & TAT Improvement :

- Identify process gaps, inefficiencies, and turnaround delays

- Collaborate with IT/support teams for process automation and system enhancements

- Periodically review underwriting guidelines for clarity, speed, and compliance

- Drive initiatives to improve end-to-end TAT without compromising quality

Business Insights & Strategic Analysis :

- Analyze underwriting and portfolio trends to recommend strategic improvements

- Conduct cost-benefit and impact analysis for process/policy changes

- Benchmark against competition to ensure efficiency and market relevance

Capability Building & Training Leadership :

- Lead training programs for underwriters and field teams

- Conduct branch visits and stakeholder workshops on underwriting updates

- Mentor team members on quality, compliance, and best practices

- Drive continuous learning through certifications and industry updates

Technology & Systems Enablement :

- Provide inputs for system enhancements and digital transformation initiatives

- Lead UAT and implementation for underwriting systems

- Ensure systems enable accuracy, compliance, audit trails, and improved TAT