Vice President - Liability Underwriter

Job description

Role & responsibilities • Lead central strategy on Liability underwriting including growth priorities, risk frameworks, and emerging exposures. • Define and update underwriting guidelines, risk appetite, pricing frameworks, and approval matrices for all Liability products. • Drive uniform underwriting practices across regions to ensure discipline, consistency, and compliance. • Underwrite and approve large, complex, and sensitive Liability risks within delegated authority. • Review submissions from regional teams and provide expert recommendations for pricing, terms, clauses, and coverage structuring. • Guide improvements in policy wordings, endorsements, exclusions, and manuscript clauses. • Monitor the central Liability portfolio for loss ratios, rate adequacy, exposure patterns, industry concentration, and early warning indicators. • Lead periodic portfolio reviews and provide insights to senior leadership on emerging trends, market dynamics, and corrective actions. • Work with actuarial teams for pricing models, reserving approach, and product profitability analysis. • Lead meetings with top brokers, strategic partners, and large corporate clients for technically heavy discussions or complex deal closures. • Support regional underwriting and distribution teams on large renewals, escalations, or competitive negotiations. • Work closely with claims leadership to review major liability claims, litigation risks, settlement trends, and lessons for underwriting refinement. • Mentor regional liability underwriters and build deep technical capability across the underwriting network. Ensure 100% adherence to IRDAI norms, internal audit standards, documentation requirements, and underwriting controls. Preferred candidate profile • 15-20 years of experience in Liability Underwriting or Specialty Lines underwriting. • Strong experience in underwriting governance, portfolio management, and central decisionmaking. • Proven track record of working with top brokers and major corporate clients in large markets like Mumbai. • Deep technical expertise in liability and casualty underwriting, policy wording interpretation, and risk modelling. • Strong negotiation skills with senior brokers and Csuite clients. • Excellent analytical ability with focus on portfolio discipline and profitability. • Ability to coach teams, manage complex risks, and lead national underwriting strategy.