Risk Operations Associate at Ethos Life

Bengaluru, Karnataka, India

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Not SpecifiedCompensation

Junior (1 to 2 years)Experience Level

Full TimeJob Type

UnknownVisa

Insurance, InsurtechIndustries

Requirements

3+ years of experience in claims processing, policy administration, or related operations role
Life insurance industry experience strongly preferred
Strong understanding of regulatory and compliance requirements related to claims handling
Proficiency with Salesforce or equivalent CRM/operations platforms
Exceptional attention to detail, organization, and follow-through
Ability to work both independently and collaboratively with cross-functional teams
Excellent written and verbal communication skills, with the ability to convey empathy and professionalism
Strong time management skills with the ability to balance multiple priorities under deadlines
Demonstrated integrity in handling sensitive and confidential information

Responsibilities

Serve as the first point of contact for beneficiaries and policyholders by taking inbound calls related to claims
Manage the full claims intake and processing workflow from receipt to resolution
Transmit claim data and documentation to carriers in accordance with established procedures
Track and meet SLAs for claims processing while maintaining a high level of accuracy
Maintain the integrity of claims data across internal systems and carrier submissions
Collaborate with carriers, internal departments, and external partners to resolve claim-related questions or escalations
Review claims for potential fraud or suspicious behavior and escalate as needed
Ensure compliance with all regulatory and privacy requirements in handling claim information
Identify opportunities for process improvements and contribute to team-wide best practices

Skills

Claims Processing

Inbound Calls

Customer Service

Compliance

SLA Management

Fraud Detection

Data Management

Attention to Detail

Ethos Life

Online life insurance with no medical exams

About Ethos Life

Ethos Life provides life insurance solutions through a fully online platform, making it easier for individuals and families to obtain coverage without the need for medical exams. The application process is streamlined, allowing potential clients to receive instant quotes and often get approved within minutes by answering specific health and lifestyle questions. This approach contrasts with traditional life insurance methods, which can be lengthy and cumbersome. Ethos Life sells term and whole life insurance policies through partner carriers and earns commissions on these sales. Additionally, the company offers complimentary estate planning tools, such as free wills, to enhance the customer experience and set itself apart from competitors. The goal of Ethos Life is to provide straightforward and affordable life insurance options while simplifying the overall process for its customers.

Austin, TexasHeadquarters

2016Year Founded

$395.4MTotal Funding

SERIES_DCompany Stage

Financial ServicesIndustries

501-1,000Employees

Risks

Departure of key executives like CFO Anan Kashyap may affect financial strategy.

Class action lawsuit under Illinois genetic privacy law could harm Ethos's reputation.

Recent layoffs may indicate financial strain, affecting employee morale and performance.

Differentiation

Ethos Life offers a fully online life insurance application process, eliminating medical exams.

The company provides complimentary estate planning tools, enhancing customer value and experience.

Ethos partners with major insurers like Legal & General America to ensure policy reliability.

Upsides

Growing demand for no-exam life insurance policies boosts Ethos's market potential.

Increased consumer interest in digital insurance solutions aligns with Ethos's tech-driven model.

Partnerships with companies like Ameritas expand Ethos's product offerings and market reach.

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