Risk and Medical Underwriting Lead Analyst (Hybrid)

Underwriting at Cigna: If you're looking to use strong analytical, risk management, and portfolio management skills in a competitive, fast-paced environment, an Underwriting career at Cigna will allow you to do all this and more.

Underwriters evaluate the risk of insuring a potential Cigna customer and use that information to set premium rates for insurance policies.

As part of our Underwriting team, you will directly impact our business on a daily basis, protecting Cigna's sound financial position which enables us to meet our financial commitments to our customers.

Core Responsibilities:


* Ability to quickly learn manual and claim experience rating models and related pricing tools.


* Perform case-specific risk assessments and rate development for presale and inforce business for large and complex cases independently.


* Develops strategic recommendations related to market competition, product development, and market pricing decisions.


* Drive consultative engagement with Sales and Producers/Clients through presale and inforce case level strategies, and market discussions


* Assist Sales as financial consultant on case-specific issues.

Possesses an in depth understanding of manual rating models, claim experience projections, pricing tools, pricing adjustments and available plan designs.


* Managesa complex book of business, with a variety of funding types, focused on attaining profitable growth, persistency, and earnings.


* Responsible for driving engagement with other Underwriting areas to optimize cross-sale opportunities with a whole-case underwriting view.


* Actively collaborates with product/pricing matrix partners to provide expertise/input on market level product and pricing needs.


* Works autonomously.

Exercises judgment in the evaluation, selection, and adaptation of both standard and complex techniques and procedures.


* Independently hold calls with Sales, brokers, or clients.


* Mentors less experienced underwriters serving as technical and strategic subject matter expert on complex issues.


* Influences underwriting best practices and leads by example to the rest of the team.

Minimum Qualifications:


* 3+ years of medical underwriting experience preferred


* Bachelor's degree in the following majors and/or minors are preferred, but not required: Risk Management, Economics, Finance, Accounting, Management, Mathematics, and/or Business


* Strong analytical and problem solving skills


* Ability to manage complex cases and thrive in an ever-changing market segment.


* Excellent decision making and negotiation skills


* Excellent verbal and written communication skills


* Passion and dedication to become a leader in the health service industry


* Innovative thinking, customer-centricity and analytical problem-solving skills

If you will be working at home occasionally or permanently, the internet connection must be obtained through a cable broadband...