Head of Travel Underwriting

Job Summary:

This role leads the underwriting strategy and execution for individual travel insurance in China. As the primary contact for all underwriting, pricing, and portfolio management issues in the region, this role ensures underwriting discipline, regulatory compliance, and profitable business growth, working closely with cross-functional and regional stakeholders.

Job Responsibilities:

1. Deliver underwriting and portfolio profitability KPIs (e.g. GWP, loss ratio, combined ratio).
2. Ensure adherence to Zurich and regulatory underwriting guidelines.
3. Implement underwriting governance mechanisms and ensure pricing adequacy through portfolio monitoring and reviews.
4. Prepare and manage policy documentation, disclosures, and internal system configurations.
5. Collaborate cross-functionally to address business needs and compliance risks.
6. Drive remediation action plans when performance or audit findings require.
7. Lead the continuous improvement of underwriting operations and documentation accuracy. 
8. Ensure underwriting compliance with delegated authority, pricing policies, and regulatory obligations.
9. Oversee product and benefit structure reviews with actuarial input.
10. Lead underwriting remediation actions and implement audit recommendations.
11. Develop and maintain policy wordings, product disclosures, system configurations, and documentation registers.
12. Liaise with the regional team for consistency and alignment on underwriting and risk frameworks.
13. Contribute to strategic planning and execution of underwriting initiatives across China Travel business
14. Ensure customer needs and regulatory requirements are embedded in underwriting decision-making. 
15. Support the development of market-relevant products and pricing strategies.
16. Maintain underwriting service standards and timely support to internal stakeholders.