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1. Underwriting Strategy & Department Leadership

• Develop and execute the corporate underwriting strategy aligned with the Company's profitability and growth objectives.
• Establish department goals, key performance indicators (KPIs), risk appetites, and rigorous performance monitoring mechanisms.
• Lead and oversee all underwriting operations, ensuring absolute consistency, technical excellence, and process efficiency.
• Drive a high-performance culture emphasizing risk accountability, operational agility, and technical precision.
• Provide strategic leadership and guidance to Senior Underwriting Managers, technical specialists, and underwriters across all lines.

2. Portfolio & Risk Operations Management

• Oversee the end-to-end risk assessment and underwriting lifecycle across Fire, Commercial Lines, Motor, and Non-Motor insurance portfolios.
• Formulate, update, and enforce robust underwriting guidelines, standard operating procedures (SOPs), and strict rating structures.
• Review, evaluate, and approve high-value, complex, or non-standard risks falling within delegated personal authority limits.
• Ensure operational compliance and underwriting consistency between the Head Office and all branch networks.
• Optimize workload distribution and resource allocation to ensure quick turnaround times without compromising risk quality.

3. Financial Stewardship & Profitability Optimization

• Manage the comprehensive underwriting portfolio to achieve sustainable loss ratios and maximize net technical margins.
• Monitor portfolio performance, market risk trends, accumulation limits, and exposure concentrations closely.
• Prepare, justify, and manage the overall departmental operational and capital budgets.
• Collaborate intimately with Actuarial, Finance, and Claims teams to refine pricing models, evaluate product performance, and manage reserves.

4. Reinsurance Strategy & Governance

• Collaborate with the Reinsurance team to structure, negotiate, and secure optimum treaty and facultative reinsurance arrangements.
• Monitor treaty capacities, exclusions, and retention strategies to protect the company's balance sheet from catastrophic or volatile losses.
• Ensure all risks exceeding internal retention boundaries are perfectly backed by authorized reinsurance placement before binding.

5. Governance, Compliance & Risk Control

• Ensure absolute compliance with the Insurance Business Regulatory Board (IBRB) regulations, corporate governance, and legal requirements.
• Strengthen internal control frameworks across all underwriting processing channels to minimize risk leakage.
• Support internal audits, external regulatory reviews, and reinsurance audits, proactively implementing swift corrective actions.

6. Digital Transformation & Process Innovation

• Champion digital underwriting initiatives, automated workflow systems, and direct straight-through processing (STP) solutions.
• Utilize data analytics and predictive underwriting models to identify emerging risk trends and niche market opportunities.
• Drive continuous process improvement and Lean methodologies to scale operations and lower expense ratios.

7. People Leadership & Technical Talent Development

• Lead, mentor, and structurally develop Underwriting Managers, technical experts, and regional underwriters.
• Establish a clear technical training curriculum to continuously elevate risk assessment capabilities across the company.
• Build resilient succession pipelines for critical underwriting functions and direct regular, robust performance assessments.
• Foster an inclusive environment of continuous learning, professional accountability, and knowledge sharing.

8. Stakeholder & Market Management

• Build productive strategic partnerships with Sales, Claims, Brokers, Agents, Corporate Clients, and Reinsurers.
• Represent the Underwriting Department in Executive Management, Risk Committee, and critical market-facing discussions.
• Collaborate closely with Product Development and Marketing teams to bring innovative, safely underwritten solutions to market.

9. Reporting & Strategic Business Insights

• Prepare and present comprehensive monthly and quarterly portfolio performance reports for Executive Management.
• Monitor and present accurate analytics regarding risk mix, hit ratios, renewal retention rates, and pipeline health.
• Deliver data-backed recommendations on market shifts, tariff adjustments, and strategic business positioning.

• Bachelor’s degree in Insurance, Business Administration, Finance, Economics, or a related field.
• Professional insurance qualification such as ACII/CII or equivalent is highly preferred.
• Minimum 10 years of relevant experience in general insurance, with significant experience in underwriting.
• Proven experience in a senior underwriting management or leadership role.
• Strong knowledge of commercial and/or retail general insurance products.
• Strong understanding of risk assessment, pricing, reinsurance, portfolio management, and insurance regulations.
• Experience managing and developing an underwriting team.