Medical Underwriting Consultant

Who We Are – MassMutual India
Since 1851, MassMutual’s commitment has always been to help people protect their families, support their communities, and help one another. Therefore, we want to inspire people to Live Mutual. We at MassMutual value diversity and inclusion. We’re people helping people
A career with us means you will work alongside exceptional people and be empowered to reach your professional and personal goals.  Our employees are the foundation of what makes MassMutual a strong, stable, and ethical business.  We seek and value unique and varied perspectives and experiences because we believe we are stronger when all voices are heard. We invite you to bring your bright, innovative ideas to MassMutual as we continue to help millions of Americans rely on each other.
Together, we’re stronger.

Job Description

Key Responsibilities

Medical Consultation & Case Review

• Provide timely, high‑quality medical consultations, including interpretation of diagnostic tests, clinical documentation review, and medical risk assessment
• Conduct morbidity and mortality reviews to support underwriting and claims‑related decisions
• Review and analyze attending physician statements, medical records, lab reports, EKGs, stress tests, and other relevant clinical documentation
• Summarize complex medical records and clinical findings to support downstream decision‑making by internal and external medical stakeholders
• Review approved claim files to assess the ongoing applicability of medical restrictions or limitations

Medical Research & Analysis

• Conduct research on medical conditions and impairments and their relationship to morbidity and mortality
• Maintain current knowledge of relevant medical literature, clinical guidelines, and insurance medicine practices
• Provide subject matter expertise for large‑scale projects, departmental initiatives, and cross‑functional programs

Training & Staff Development

• Develop and deliver medical education and training programs for underwriting, risk management, and claims teams
• Coach and support junior or less experienced medical colleagues on case review methodology, clinical reasoning, and documentation standards
• Provide ongoing clarification and education through one‑on‑one consultations and group discussions

Operational Responsibilities

• Conduct and/or interpret EKG examinations (where applicable based on qualification and scope of practice)
• Manage medical referrals based on defined risk thresholds and internal guidelines
• Support BAU (Business As Usual) activities, including:
  • Medical data gathering for tele‑interviews and structured health questionnaires (CMI, SHQs, SHS)
  • Review of MIB disclosures and sensitive laboratory results
  • Support for ACLI‑related work and general medical quality assurance activities

Leadership & Collaboration

• Act as a Subject Matter Expert (SME) on specialized medical projects and initiatives
• Lead complex problem‑solving efforts within the medical team and in collaboration with underwriting, claims, and business partners
• Contribute to the development, review, and ongoing maintenance of underwriting medical manuals, policies, and clinical guidelines

Eligibility & Qualifications

• MBBS with active license to practice medicine
• Active or prior registration/licensure with a relevant professional medical or healthcare authority, where applicable.
• Demonstrated ability to analyze, interpret, and apply complex medical and clinical information in a non‑patient‑facing, decision‑support environment
• Strong understanding of medical documentation, diagnostic reports, laboratory data, and clinical narratives
• Proven capability to assess medical risk, morbidity, and mortality using evidence‑based reasoning and available clinical data
• Excellent written and verbal communication skills, with the ability to clearly articulate medical opinions to both clinical and non‑clinical stakeholders
• Strong analytical, critical‑thinking, and problem‑solving abilities
• Ability to work independently, manage complex casework, and contribute to process improvement initiatives
• Demonstrated aptitude for collaboration, mentorship, and knowledge sharing within multidisciplinary teams

Experience in insurance medicine, underwriting support, claims review, population health, utilization management, clinical audit, or healthcare analytics is preferred.

Work Location & Schedule

• This role is based out of the Hyderabad office and follows a hybrid working model.
• Work schedules and shift timings will be aligned with the reporting Medical Director and Mass Mutual US stakeholders, based on business requirements.

Why Join Us?
We’ve been around since 1851. During our history, we’ve learned a few things about making sure our customers our top priority. In order to meet and exceed their expectations, we must have the best people providing the best thinking, products, and services. To accomplish this, we celebrate an inclusive, vibrant, and diverse culture that encourages growth, openness, and opportunities for everyone. A career with MassMutual, Great Place to Work® certified and India's Best Workplaces in BFSI 2023 - Top 50 organization means you will be part of a strong, stable, and ethical business with industry leading pay and benefits. And your voice will always be heard.
Does this sound like a great fit? Apply today!