Senior Underwriting Analyst

Founded in 2011, Zurich Santander Insurance America is a joint venture between the Zurich and Banco Santander groups, two of the largest conglomerates in the world in the insurance and financial sectors. With one of the broadest insurance portfolios in the market, we market our products through the sales channel of Santander Bank in Brazil, Mexico, Chile, Argentina, and Uruguay.

At ZS, we are committed to maintaining an environment that embraces diversity. Equal opportunities are offered, and all candidates are considered qualified for vacancies, without discrimination based on disability, sex or sexual orientation, pregnancy or maternity leave, race or national or ethnic origin, age, religion or belief, gender identity, marital status, protected veteran status (if applicable), or any other characteristic protected by law.

If you are an innovative, dynamic, proactive person who likes challenges and works well in a team, this is your place!

Main responsibilities:

• Evaluation and analysis of customers' Personal Health Statements (PHS);
• Support in defining risk acceptance criteria and policies;
• Structuring and implementation of effective controls for periodic monitoring of the portfolio of these products;
• Monitoring indicators and identifying opportunities for improvement in underwriting processes;
• Support in the analysis of Group Life quotes, due to the growth of the High Net Worth segment.

Education and professional experience:

• Academic Background (Actuarial Sciences; Administration; Economics; Law);
• Solid experience in underwriting Individual Life and/or Group Life insurance;
• Ability to evaluate and classify biometric, occupational, financial, and behavioral risks;
• Advanced knowledge of Personal Health Statement (PHS) analysis and medical reports;
• Experience in defining acceptance conditions, rejections, adverse modifications, and coverage restrictions;
• Knowledge of facultative and automatic reinsurance, including negotiation and referral of high-complexity cases;
• Advanced English and Spanish;
• Advantageous: knowledge in PowerBI.

Behavioral competencies:

• Excellent verbal and written communication;
• Negotiation capacity with commercial areas, brokers, and reinsurers;
• Ability to present technical opinions clearly and objectively;
• Ease of working collaboratively with multidisciplinary teams;
• Capacity to influence decisions based on technical knowledge and data;
• Sense of responsibility and autonomy in decision-making;
• Attention to detail and a high level of accuracy;
• Organization and ability to manage multiple demands simultaneously;
• Resilience and balance for working in dynamic environments;
• Proactivity in identifying improvement opportunities.

The CANDIDATE acknowledges that by sending their CV and/or completing the job application, providing the information contained therein, they agree that the personal data will be used by ZURICH SANTANDER for evaluation stemming from the selection process, this being the sole purpose, analysis for candidate evaluation. This information may be shared with companies that support us in the selection process evaluation. The CANDIDATE's data will be kept with all care and attention, and maintained for the period required by law.