Product and Underwriting Manager - Accident and Health

Job Title: Product & Underwriting Manager - Accident & Health Product

Direct Report: Country Manager

Location: Sriracha Chonburi

JOB SUMMARY

Product & Underwriting Manager - Accident & Health Product is responsible for the end-to-end success of Roojai's Accident & Health portfolio, covering product development, underwriting governance, pricing optimization, portfolio profitability, customer experience, and business growth.

The role owns the commercial and technical performance of the A&H business, ensuring sustainable growth while maintaining underwriting discipline and regulatory compliance. The successful candidate will act as the primary business owner of the A&H portfolio, working closely with Marketing, Data, Claims, Operations, IT, and external partners to develop market-leading protection products and deliver profitable growth.

KEY RESPONSIBILITIES

Product Strategy & Innovation

• Define and own the Accident & Health product strategy and roadmap.
• Identify market opportunities, customer needs, and emerging trends to drive product innovation.
• Lead the development and enhancement of insurance products, coverage options, and customer propositions.
• Conduct competitor and market analysis to identify opportunities for differentiation and growth.

Product Development & Delivery

• Lead end-to-end product launches, enhancements, and change initiatives.
• Oversee product documentation, policy wording, underwriting guidelines, and product specifications.
• Translate business requirements into clear deliverables for technology and operational teams.
• Partner with IT, pricing, Marketing, and Claims teams to ensure successful implementation of product initiatives.
• Resolve product-related issues and drive continuous improvement.

Underwriting Governance & Risk Management

• Own underwriting governance, frameworks, and authority structures.
• Ensure compliance with regulatory requirements, insurer agreements, and internal policies.
• Maintain underwriting guidelines and decision rules that support profitable growth.
• Review underwriting performance and portfolio quality indicators.
• Drive continuous improvement in underwriting controls and quality assurance processes.

Portfolio Performance & Pricing

• Own portfolio profitability and performance, including GWP, retention, Loss ratio
• Monitor portfolio trends and implement corrective actions when required.
• Collaborate with Data Analytics and Pricing teams to optimize rating structures and underwriting rules.
• Use data-driven insights to improve acquisition, retention, and profitability outcomes.
• Lead portfolio reviews with insurers and reinsurance partners.

Stakeholder Management

• Act as the primary point of contact for Accident & Health products and underwriting matters.
• Build strong relationships with insurers, partners, and internal stakeholders.
• Lead governance meetings, portfolio reviews, and performance discussions.
• Influence senior stakeholders and drive alignment across functions.
• Represent Roojai in discussions relating to A&H products, underwriting, and portfolio management.

People Leadership

• Lead, coach, and develop the underwriting team.
• Establish clear goals, performance standards, and development plans.
• Build technical expertise and future leadership capability within the team.
• Foster a culture of accountability, collaboration, innovation, and continuous improvement.
• Support workforce planning and succession development.

QUALIFICATIONS

JOB REQUIREMENTS

• Minimum 7 years of experience in Accident & Health insurance, underwriting, product management, or a related insurance function.
• Proven experience managing insurance products and portfolio performance.
• Demonstrated leadership experience with direct team management responsibilities.
• Experience working with digital distribution models and customer-centric product development.
• Strong track record of delivering profitable growth and business results.
• Good business communication skills in English and Thai.

OTHER SKILLS REQUIREMENTS

• Strong understanding of Accident & Health insurance products and underwriting principles.
• Experience in pricing, portfolio management, and profitability analysis.
• Advanced analytical and data interpretation skills.
• Strong Microsoft Excel skills.
• Knowledge of predictive analytics, automation, and AI applications in insurance is an advantage.
• Ability to translate business needs into practical products and underwriting solutions.