Senior Underwriter

Position Overview

• Location Type:
• Job Type: Full Time
• Salary:

Gravie is seeking a Senior Underwriter with strong expertise in the level-funded space to join their team. This role is crucial for driving the successful underwriting of Gravie's insurance business, particularly their innovative Comfort health insurance products. The focus is on pricing middle market and small group business nationally, utilizing proprietary capabilities. The Senior Underwriter will manage risk for both customers and Gravie, handling level-funded approaches for small-to-midsized employers and self-insured (ASO) with integrated stop loss for larger groups. A key responsibility includes risk reviewing cases from the Underwriting team.

Requirements

• Bachelor’s degree in Business, Finance, Economics, Statistics, Mathematics, Insurance, or other related majors.
• 3+ years of relevant group health level-funded and/or stop-loss underwriting experience.

Responsibilities

• Utilize Gravie’s proprietary underwriting algorithms to offer competitive pricing for a unique health plan to employers and their employees nationwide.
• Own and manage the pricing for specific segments of new and renewal employer group cases, including more complex accounts, on Gravie’s proprietary products.
• Underwrite level-funded and self-funded cases, including individual and aggregate stop loss offerings, using claims experience, medical health questionnaires, and other relevant data.
• Review underwriting case preparation work from analysts, requesting or adding analyses as needed to accurately assess risk and recommend pricing.
• Provide direction, recommendations, and present findings to Underwriting Management and Business Leadership.
• Identify missing or beneficial information, collaborate with other teams to source it, and find creative solutions when necessary.
• Learn and apply Gravie’s proprietary underwriting algorithms, contributing experience and judgment to case underwriting and the evolution of underwriting practices.
• Support training, mentoring, and quality review initiatives.
• Collaborate with Gravie teams and third-party underwriting and actuarial vendors to transition Gravie’s underwriting function from outsourced to in-sourced.
• Work closely with Sales Operations, Underwriting, and Analytics teams, as well as third-party vendors, to manage the pipeline of quotes efficiently.
• Partner with Account Management on strategies and pricing to support existing customer retention.
• Assist in developing and refining underwriting strategies, guidelines, and tools to improve business performance and processes.
• Join a dynamic and growing startup environment with opportunities for career advancement.

Company Information

Gravie's mission is to improve the way people purchase and access healthcare through innovative, consumer-centric health benefit solutions. They foster a diverse and authentic work environment.