Senior Underwriter, Accident & Health

Senior Accident & Health UnderwriterAt WorldTrips, a proud member of the Tokio Marine HCC group of companies, we believe in more than just business—we believe in empowering our people. As a global leader in specialty travel medical and trip protection insurance, we are passionate about preparing travelers for the unpredictable while fostering a work environment where bold ideas and transformative solutions are valued at every level. Our mission, "To Be a Good Company," reflects our commitment to people and community, recognizing the importance of giving back and driving positive change.The Adventure Ahead:The Senior Accident & Health Underwriter is responsible for reviewing and analyzing underwriting data to ensure a profitable book of International Medical and Travel Insurance business. Acting within established underwriting guidelines, this role evaluates new and renewal accounts, processes underwriting activities, and monitors portfolio performance.In addition to core underwriting responsibilities, this position develops and executes strategic underwriting and portfolio plans, across product development, distribution, fulfillment, and overall portfolio financial performance, working closely with senior leadership and cross-functional partners.Responsibilities:Build, manage, and maintain a profitable book of International Medical and Travel Insurance businessReview, analyze, evaluate, and monitor new and renewal underwriting submissionsProvide technical underwriting expertise and market intelligence to internal stakeholdersFoster and grow strong relationships with partners, brokers, and producersLead product development and refinement initiatives, including plan design and rating methodologiesParticipate in P&L management, portfolio performance analysis, and process efficiency initiativesEnsure compliance with applicable domestic and international insurance laws and regulationsDocument departmental activities and develop underwriting guidelines and control processes and Partner with Sales, Product, Operations, Compliance, and Actuarial teams to enhance or modify existing products and programsReview and evaluate complex opportunities or programs to determine risk acceptability and coverage levels; collaborate with Actuarial for approvals as neededPrepare and update monthly underwriting reports by line of business; Create ad hoc reports and analyses as requiredIssue proposals for new business opportunitiesSkills and Experience Needed:Bachelors degree in a related field, or the equivalent education and /or experienceCollaborative team player with a proactive mindsetDemonstrated initiative and ability to work independentlyMinimum of five years of experience in Accident & Health Insurance Underwriting preferredProven negotiation and interpersonal skills and experience, with a strong track record in growth of new business and retaining renewal business while delivering target financial results.Excellent written and verbal communication skills, including interaction with senior management and external partners, along with presentation abilities to convey complex information clearly to engage decision-makers at all organizational levelsExcellent analytical skills; demonstrated financial acumen and high attention to detail and accuracy in a fast-paced, dynamic environmentAdvanced knowledge of industry changes, legal updates, and technical developments related to applicable area of the Company's business to proactively respond to changing business environmentAdvanced proficiency and experience using Microsoft Office package (Excel, Access, PowerPoint, Word)Join the WorldTrips team, where your success is our priority.Equal Opportunity EmployerTMHCC is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity, genetic information, marital status, medical condition, national origin, physical or mental disability, protected veteran or military status, race, ethnicity, religion, sex, including pregnancy, sexual orientation, or any other characteristic protected by applicable local laws, regulations, and ordinances.