Senior Underwriter, Financial Lines

Job Title: Senior Underwriter, Financial Lines

Location: Japan

The Opportunity:

Zurich Insurance is one of the leading insurers in Singapore that is widely recognized and trusted by clients and broker partners for insuring large and complex commercial risks. We are currently in an exciting and transformative period, where we aim to not only continue strengthening our leading position in the large commercial risks sector but also expand to provide valuable insurance solutions to a broad range of commercial clients in Singapore, Japan and other Asian markets.

As Zurich continues to invest in growth across the region, the Japan market represents a key strategic focus, with increasing demand for Financial Lines solutions among both local and multinational clients. This role will have opportunities to collaborate with colleagues and broker partners engaged in the Japan portfolio, contributing insights and underwriting expertise to support market development and cross‑border business initiatives.

Are you a seasoned underwriter with a passion for financial lines? Are you keen to engage with broker and insurer partners to develop innovative solutions for our customers? Join Zurich Insurance as a Senior Underwriter in Financial Lines, where you will analyze and underwrite new and renewal business using The Zurich Way of Underwriting Framework, work within delegated authority levels on complex assignments, you will ensure a high level of service to our customers.

In this role, you will collaborate with clients and brokers to provide tailored solutions, leveraging your expertise to balance risk management with customer satisfaction. This is your chance to make a significant impact, drive innovation, and integrate your own thoughts and insights to shape a portfolio with a global leader in the insurance industry.

Key Responsibilities:

• Proactively seek renewal and new account opportunities and qualify accounts to align with the organization's appetite and business opportunities.
• Conduct detailed opportunity assessments with key distributors to identify and capitalize on growth opportunities.
• Negotiate terms and conditions, close deals, and cross-sell other lines of business to increase product density within accounts.
• Develop and maintain strong broker and client networks, serving as the key contact for assigned target accounts.
• Measure exposure, analyze risk, and accurately calculate target prices using appropriate underwriting tools.
• Lead and participate in marketing presentations, sales team meetings, and the target account process.
• Monitor and review work undertaken across a number of small to medium scale projects or a large complex project in order to ensure appropriate use of resources and adherence to schedules.

Qualifications, Experience & Skills:

• Embrace the concept of The Zurich Way of Underwriting and demonstrate the ability to quickly integrate and adapt to different underwriting culture and practices.
• Bachelor’s degree in insurance, finance, law or a related field; Proficient in both Japanese and English language
• Minimum of 6 to 8 years of underwriting experience in financial lines, with a proven track record of success and good personal reputation in the Japan market.
• Strong understanding of underwriting principles, risk assessment, and pricing strategies.
• Excellent negotiation and communication skills, with the ability to build and maintain strong relationships with clients, brokers, and internal stakeholders.
• Proficiency in using underwriting tools and software, with strong analytical and problem-solving abilities.
• Demonstrated ability to work independently and under pressure, enabled to make informed decisions within delegated authority levels.