Risk & Medical Underwriting Lead Analyst-Hybrid

About the position

The Risk & Medical Underwriting Lead Analyst at Cigna is responsible for evaluating the risk of insuring potential customers and setting premium rates for insurance policies. This role involves managing a book of business, conducting risk assessments, and collaborating with sales and product teams to ensure profitable growth and customer satisfaction. The analyst will also mentor new hires and contribute to strategic recommendations for market competition and pricing decisions.

Responsibilities
? Manages an assigned book of business, focused on attaining profitable growth, persistency, and earnings.
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? Performs case-specific risk assessments.
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? Responsible for account level rate development and conducting customer negotiations with other underwriting areas and Sales.
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? Evaluates medical claim experience and analyzes total case profitability.
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? Develops and monitors account level earning plans to achieve growth and profitability.
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? Develops strategic recommendations related to market competition, product development, and market pricing decisions.
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? Assists Sales with customer presentations and acts as financial consultant on case-specific issues.
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? Collaborates with product/pricing matrix partners to provide input on market level product and pricing needs.
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? Mentors new hires and/or underwriters in training.
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? Ability to learn manual rating models and related pricing tools.

Requirements
? Bachelor's degree in Risk Management, Economics, Finance, Accounting, Management, Mathematics, and/or Business preferred.
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? 2-5 years of medical underwriting experience required.
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? Strong analytical and problem solving skills.
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? High comfort level with math/numbers.
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? Excellent verbal and written communication skills.
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? Passion and dedication to become a leader in the health service industry.
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? Strong business acumen along with leadership, innovative thinking, customer-centricity and analytical problem-solving skills.

Nice-to-haves

Benefits
? Smoking cessation program

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