ABOUT US:
PolicyStreet Group is a full-stack insurance technology (insurtech) group of companies providing digital insurance solutions to businesses and consumers across Asia and Australia.
The Group operates through multiple entities across its key markets and business lines, including its insurance distribution, embedded insurance, and reinsurance arms. It partners with over 40 insurance and takaful providers globally to deliver employee benefits and group insurance solutions, insurance aggregation services, and digital infrastructure that simplifies insurance.
PolicyStreet Group is backed by leading venture capital firms Altara Ventures and Gobi Partners, as well as sovereign wealth funds Khazanah Nasional Berhad and Cool Japan Fund. The Group serves over 10 million customers with more than US$10 billion in sum insured. It was featured in the Financial Times and Statista's Top 500 High-Growth Companies Asia-Pacific 2026 list and named "Most Disruptive Insurtech in Malaysia" at the Insurance Asia News (IAN) Country Awards for Excellence 2025.
Reports to: Chief Underwriting Officer
You will lead technical underwriting and insurance solution development across RI Direct and Partnership opportunities. Your responsibilities will include risk assessment, coverage design, insurance and reinsurance structuring, and coordination of contractual implementation with Legal. You will also manage the Actuarial Manager’s priorities and delivery while preserving their professional judgment over actuarial conclusions.
WHAT YOU’LL DO:
- Lead underwriting assessments for new opportunities, identifying material risks and evaluating acceptability within approved appetite and delegated authority.
- Develop and evaluate coverage, exclusions, limits and risk allocation to create technically sound insurance solutions.
- Design insurance and reinsurance structures and assess the technical suitability of proposed insurers, reinsurers and other counterparties.
- Translate product requirements from Partnership into practical underwriting terms and insurance arrangements.
- Work with the Actuarial Manager to interpret pricing models, assumptions and sensitivity analysis, incorporating actuarial findings into underwriting decisions.
- Review policy and reinsurance wording and coordinate contractual implementation with Legal to ensure the intended coverage and risk allocation are reflected in the documentation.
- Participate in technical discussions with insurers, reinsurers, brokers and partners to resolve coverage, wording and structuring requirements.
- Establish and maintain underwriting assessment templates, technical approval records, referral criteria and underwriting guidelines.
- Monitor portfolio performance, including pricing adequacy, claims experience, exposures and emerging risks, and recommend appropriate underwriting actions.
- Report technical turnaround, rework, capacity constraints and material exceptions to the CUO, using case reviews and portfolio experience to improve underwriting practices.
Requirements
WHAT WE EXPECT OF YOU:
- At least five years of relevant general insurance or reinsurance technical underwriting experience, including assessment of non-standard risks or insurance arrangements.
- Demonstrated ability to develop and evaluate coverage, exclusions, limits, risk allocation and insurance and reinsurance structures.
- Ability to interpret pricing models, assumptions and sensitivity analysis and incorporate actuarial findings into underwriting decisions.
- Experience reviewing policy and reinsurance wording and working with Legal on contractual implementation.
- Experience managing technical priorities and supervising staff or leading technical projects.
- Strong analytical judgment, clear written documentation and the ability to explain technical recommendations to commercial stakeholders.
- Sound understanding of delegated authority, referrals and underwriting governance.
- Practical, commercially informed decision-making, with the ability to test assumptions, document rationale and escalate material exceptions promptly.
- Strong collaboration and delivery leadership, including the ability to prioritise competing demands and communicate dependencies early.
- Respect for professional actuarial judgment, combined with accountability for the technical stream’s delivery and continuous improvement.
NICE TO HAVE
- Recognized insurance or actuarial qualifications, such as ACII, AMII or equivalent.
- Experience in affinity, embedded insurance, digital platforms or innovative insurance products.
- Exposure to cross-border arrangements, fronting structures and regional insurance and reinsurance markets.
- Experience establishing underwriting guidelines, technical controls and portfolio monitoring processes.
- Familiarity with product implementation, claims processes and data requirements for experience analysis.
PERKS YOU’LL GET TO ENJOY WHILE WORKING HERE!
- Comprehensive Medical & Life Insurance – We’ve got you and your loved ones covered!
- Flexi Health Perks – From health screening to traditional medicine, take charge of your well-being!
- Focus WFA (Work From Anywhere!) – Dedicated days per year for deep-thinking work—whether it's at home, a café, or your favorite quiet spot. Work where you focus best!
- Skyrocket Your Growth – Be a part of our non-stop learning opportunities to level up your skills!
- Innovate, Collaborate, Elevate – Join an energetic team that makes every challenge exciting, every win rewarding, and every day a fun learning experience!
Join Our Team in Shaping the Future of Insurance
As a homegrown startup that seeks to innovate how we use and think of insurance, we value teammates who think big, challenge the old ways, and take extreme ownership.
In PolicyStreet, we aim to do better, to serve people better. We are committed to pushing boundaries of innovation and to develop Purposeful and Simple insurance solutions for businesses and consumers, narrowing the protection gap and improving financial inclusivity in the region.
If you are driven to make change, keen to be at the forefront of insurance innovation, and grow with a team of talented and motivated people, we’d be just as excited to get to know you too!
At PolicyStreet, we uphold the principles of equal opportunity and embrace diversity. We are committed to a workplace free from discrimination based on race, religion, colour, gender, sexual orientation, age, marital status, veteran status, or disability status.
Find out more about us via our website at www.policystreet.com.
Skills Required
- At least five years of relevant general insurance or reinsurance technical underwriting experience, including non-standard risks or insurance arrangements.
- Ability to develop and evaluate coverage, exclusions, limits, risk allocation, and insurance and reinsurance structures.
- Ability to interpret pricing models, assumptions, and sensitivity analysis and incorporate actuarial findings into underwriting decisions.
- Experience reviewing policy and reinsurance wording and coordinating contractual implementation with Legal.
- Experience managing technical priorities and supervising staff or leading technical projects.
- Strong analytical judgment, written documentation, and ability to explain technical recommendations to commercial stakeholders.
- Understanding of delegated authority, referrals, and underwriting governance.
- Commercially informed decision-making, assumption testing, rationale documentation, and escalation of material exceptions.
- Strong collaboration and delivery leadership, including prioritizing competing demands and communicating dependencies.
- Ability to respect professional actuarial judgment while owning technical-stream delivery and improvement.
- Recognized insurance or actuarial qualification such as ACII, AMII, or equivalent.
- Experience in affinity, embedded insurance, digital platforms, or innovative insurance products.
- Exposure to cross-border arrangements, fronting structures, and regional insurance and reinsurance markets.
- Experience establishing underwriting guidelines, technical controls, and portfolio monitoring processes.
- Familiarity with product implementation, claims processes, and data requirements for experience analysis.
What We Do
PolicyStreet is an insurance technology group of companies providing cutting-edge digital insurance solutions to businesses and consumers in Southeast Asia and Australia. PolicyStreet works directly with over 40 life, general, and takaful providers globally to offer a comprehensive range of products and services, which includes but is not limited to embedded insurance, customised employee benefits, financial advisory and aggregation of insurance, as well as the development of digital solutions to make insurance purposeful & simple for businesses and consumers. As a licensed Reinsurer, General Insurer and Takaful Operator by the Labuan Financial Services Authority (LFSA), an approved Financial Adviser and Islamic Financial Adviser by Bank Negara Malaysia (BNM), and a licensee of the Australian Financial Services License by the Australian Securities and Investments Commission (ASIC), PolicyStreet is able to underwrite, customise policies, and provide unbiased advice to its clients and partners worldwide. PolicyStreet is backed by the Malaysian sovereign wealth fund, Khazanah Nasional Berhad, and serves over 5 million customers with over US$ 10 billion in sum insured. In 2024, PolicyStreet was recognised as "Fintech of the Year" at The Asset's Triple A Digital Awards and ranked as the second-highest Malaysian company in the "High-Growth Companies in Asia Pacific 2024" list by Statista and The Financial Times.
