Underwriter (Short-Term Insurance)

Lets Write Africa's Story Together!

Old Mutual is a firm believer in the African opportunity and our diverse talent reflects this.

Job Description

We are looking for a detail‑oriented and analytical Underwriter to join our Short-Term Insurance team on a 12‑month fixed-term contract.
The incumbent will be required to assess, evaluate, and underwrite risks for all lines of short-term business. Ensuring risks are accepted in line with the underwriting guidelines, rating structures, reinsurance arrangements, and regulatory requirements.
The candidate must be able to work with minimal supervision in both Personal and Commercial Lines, Motor and Non-Motor.

Risk Assessment & Underwriting

• Evaluate new business, renewals, and endorsements for all product lines.
• Assess risk exposures and determine appropriate terms, premiums, and coverage limits.
• Ensure underwriting decisions are in line with company guidelines, risk appetite, and pricing structures.
• Support Sales team by applying appropriate loadings, excesses, and conditions as deemed necessary.

Policy Administration

• Capture underwriting data accurately in TIA.
• Issue policy documentation and endorsements schedules on time.
• Process monthly renewals and ensure business retention and profitable growth.
• Ensure proper classification and coding of risks for regulatory and actuarial reporting in TIA.

Client & Broker Engagement

• Provide technical underwriting support to brokers, agents, and direct clients.
• Handle underwriting queries promptly and professionally.
• Participate in client/broker meetings to discuss any business requirements.
• Providing high quality service to brokers to ensure business retention

Compliance & Risk Management

• Ensure underwriting practices comply with local insurance legislation, regulations (including KYC regulations), and internal audit controls.
• Identify and mitigate risks associated with adverse selection, moral hazard, and fraudulent applications.
• Monitor portfolio performance and flag trends that may impact underwriting profitability in collaboration with the sales and claims teams.

Reporting & Technical Analysis

• Prepare underwriting reports as and when required e.g. productivity reports
• Work with sales, actuaries and finance teams on portfolio reviews, pricing adequacy and any credit control issues.
• Support product development initiatives with market and competitor analysis.

Skills

Action Planning, Compliance Risk Management, Computer Literacy, Data Compilation, Data Controls, Default Risk, Insurance, Insurance Product Management, Insurance Sales, Legal Practices, Management Reporting, Numerical Aptitude, Oral Communications, Personal Initiative, Professional Presentation, Regulatory Requirements, Risk Based Pricing, Risk Management, Short Term Insurance, Underwriting Management

Competencies

Action OrientedCollaboratesCommunicates EffectivelyEnsures AccountabilityInstills TrustManages ComplexityOptimizes Work ProcessesPlans and Aligns

Education

Bachelor Of Business (Required), Certificate Of Proficiency: Short-Term Insurance (Required)

Closing Date

30 January 2026 , 23:59

The Old Mutual Story!