Underwriting Analyst/Underwriter

Salary: $75K - $85K Employment Type: Full-Time Location Type: Remote

Position Overview

Centivo is dedicated to bringing affordable, high-quality healthcare to millions who struggle with healthcare costs. The Underwriting Analyst/Underwriter will be a key member of the Healthcare Finance & Analytics Team, providing critical financial analyses (including underwriting, actuarial, and stop-loss performance) to support the broader sales team. This role requires cross-functional collaboration with Growth, Client Success, and Network teams to analyze and synthesize data for both technical and non-technical audiences. A strong understanding of healthcare delivery, health benefit plans, sophisticated data analysis skills, and expertise in analytics software are essential. The ideal candidate will understand the strategic business implications of their quantitative assessments for both Centivo and its clients.

Responsibilities

• Design, develop, and implement pricing models, including risk-sharing methodologies, that align with company financials, business results, sales processes, and sales targets.
• Design, develop, and maintain financial/underwriting models to support sales, RFP responses, renewals, and provider/network contracting processes.
• Collaborate with other teams to drive improvements in stop-loss processes, including providing technical analysis for stop-loss quotes and renewals.
• Support or lead negotiations of stop-loss proposals as needed.
• Assist the Growth team, benefit advisors, and employers with plan design, contribution modeling, development of premium equivalents, and benefit plan accrual rates.
• Provide technical analysis on stop-loss quotes and renewals.
• Work with the Client Success and Healthcare Analytics teams to develop year-end client reviews and renewals.

Qualifications

• Bachelor's degree in a quantitative discipline (e.g., Mathematics, Actuarial Science, Statistics, Risk/Insurance, Economics, Econometrics, Financial Analysis).
• 4 years of experience in healthcare or health insurance.
• 2 years of experience underwriting fully insured and self-insured cases.
• 2 years of experience with stop-loss placement, negotiation, pricing, or underwriting.
• Proficiency with analytical, spreadsheet, and database tools (Excel, Tableau). SQL is a plus.
• Knowledge of healthcare, particularly in the context of claims, reimbursement, and risks.
• Ability to prioritize and organize work to meet deadlines.
• Excellent verbal and written communication skills, with the ability to clearly convey and understand complex or technical information.
• Mastery of Microsoft Office Suite (PowerPoint, Word, etc.).

Preferred Qualifications

• Advanced education (Master's in Public Health, health underwriting certification).
• Strong interpersonal skills, ability to establish rapport and collaborate effectively with others.
• Customer-orientation.

Company Information

Centivo's mission is to bring affordable, high-quality healthcare to the millions who struggle to pay their healthcare bills. We exist for workers and their employers, who are the backbone of our economy.

Values

• Resilient: We are committed to tackling the difficult challenge of healthcare affordability and persevere through tough times.
• Uncommon: We are building a better healthcare system from the ground up, challenging the status quo to improve outcomes for members, employers, and providers.
• Positive: We foster a supportive environment where we care for each other, celebrate successes, and provide constructive feedback.