Senior Underwriting Manager

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November 20

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Ethos

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Insurance

Ethos is a life insurance provider offering a fast and convenient way for customers to apply for and receive life insurance coverage. Specializing in no-medical-exam policies, Ethos allows individuals to secure life insurance quickly, with coverage options ranging from term life for various durations to guaranteed whole life policies. The company emphasizes ease of use, providing online tools such as coverage calculators and educational resources, as well as customer and agent support. Ethos also offers additional benefits like estate planning aids as part of its insurance packages.

201 - 500 employees

📋 Description

• Provide leadership, vision, and direction to the life underwriting team, fostering a culture of excellence, collaboration, and continuous improvement. • Develop and implement underwriting policies and processes that improve operational efficiency, enhance customer experience, and support profitable business growth. • Mentor and develop a high-performing team of underwriters and build a strong bench of future leaders. • Ensure that the underwriting team operates within established quality and productivity standards, compliance frameworks, and regulatory requirements. • Oversee the day-to-day operations of the production underwriting and underwriting special projects, ensuring that policies are underwritten in accordance with company guidelines, regulatory standards, and risk tolerance. • Monitor and manage underwriting capacity and resource allocation to ensure service level agreements (SLAs) are met, underwriting quality is maintained and projects are delivered on time. • Support carrier partners with day to day operational needs to help the teams meet their long term strategic goals. • Collaborate with underwriting strategies and engineering teams to implement innovative technologies (e.g., automation, AI, machine learning) that improve underwriting accuracy, speed, and efficiency. • Leverage data analytics to assess the effectiveness of production underwriting practices, identify trends, and improve decision-making processes. Develop and present key performance metrics (KPIs) and operational reports to senior leadership, providing insights into underwriting performance, productivity, and profitability.

🎯 Requirements

• Bachelor’s degree in Business Administration, Finance, Actuarial Science, Insurance, or a related field (Master's degree preferred). • A minimum of 7+ years of experience in life insurance underwriting, with at least 3 years in a leadership role. • Extensive knowledge of life insurance products, underwriting processes, and industry regulations. • Proven experience in leading and managing underwriting teams, and driving performance improvements. • Strong understanding of data analytics, underwriting technology platforms, and automation tools. • Professional certifications such as FLMI, ALMI, or other relevant underwriting/designations preferred. • Demonstrated ability to lead and inspire a diverse team, drive change, and develop talent. • Strong ability to set a vision and execute strategic initiatives to achieve business goals. • Excellent quantitative and qualitative analysis skills, with a focus on data-driven decision-making. • Excellent interpersonal and communication skills, with the ability to engage and influence stakeholders at all levels. • Creative and resourceful in identifying solutions to complex operational and underwriting challenges. • Familiarity with underwriting software, automation tools, and data analytics platforms.

🏖️ Benefits

• Health insurance • 401(k) matching • Paid time off • Remote work options • Professional development opportunities