Vice President - Liability Underwriter

Role & responsibilities

• Lead central strategy on Liability underwriting including growth priorities, risk frameworks, and emerging exposures.
• Define and update underwriting guidelines, risk appetite, pricing frameworks, and approval matrices for all Liability products.
• Drive uniform underwriting practices across regions to ensure discipline, consistency, and compliance.
• Underwrite and approve large, complex, and sensitive Liability risks within delegated authority.
• Review submissions from regional teams and provide expert recommendations for pricing, terms, clauses, and coverage structuring.
• Guide improvements in policy wordings, endorsements, exclusions, and manuscript clauses.
• Monitor the central Liability portfolio for loss ratios, rate adequacy, exposure patterns, industry concentration, and early warning indicators.
• Lead periodic portfolio reviews and provide insights to senior leadership on emerging trends, market dynamics, and corrective actions.
• Work with actuarial teams for pricing models, reserving approach, and product profitability analysis.
• Lead meetings with top brokers, strategic partners, and large corporate clients for technically heavy discussions or complex deal closures.
• Support regional underwriting and distribution teams on large renewals, escalations, or competitive negotiations.
• Work closely with claims leadership to review major liability claims, litigation risks, settlement trends, and lessons for underwriting refinement.
• Mentor regional liability underwriters and build deep technical capability across the underwriting network.

Ensure 100% adherence to IRDAI norms, internal audit standards, documentation requirements, and underwriting controls.

Preferred candidate profile

• 15-20 years of experience in Liability Underwriting or Specialty Lines underwriting.
• Strong experience in underwriting governance, portfolio management, and central decisionmaking.
• Proven track record of working with top brokers and major corporate clients in large markets like Mumbai.
• Deep technical expertise in liability and casualty underwriting, policy wording interpretation, and risk modelling.
• Strong negotiation skills with senior brokers and Csuite clients.
• Excellent analytical ability with focus on portfolio discipline and profitability.
• Ability to coach teams, manage complex risks, and lead national underwriting strategy.