Officer, Underwriting

About FWD Group

FWD Group (1828.HK) is a pan-Asian life and health insurance business that serves approximately 40 million customers across 10 markets, including BRI Life in Indonesia. FWD’s customer-led and tech-enabled approach aims to deliver innovative propositions, easy-to-understand products and a simpler insurance experience. Established in 2013, the company operates in some of the fastest-growing insurance markets in the world with a vision of changing the way people feel about insurance. FWD Group is listed on the main board of the Hong Kong Stock Exchange under the stock code 1828.

For more information, please visit www.fwd.com

• This role performs life and medical underwriting assessment and service support activities in CTC under Hong Kong underwriting governance.

• The role applies approved underwriting guidelines and delegated authority to deliver accurate, timely and compliant case decisions, while supporting consistent service quality across the offshore operation.

KEY ACCOUNTABILITIES

• Assess medical and non-medical life insurance applications and make underwriting decisions within delegated authority and approved guidelines.
• Review case information, identify missing or inconsistent evidence, and request or follow up on additional requirements needed for assessment.
• Process assigned cases within agreed service level and turnaround time standards, while maintaining case documentation and decision accuracy.
• Escalate complex, exceptional, high-risk or out-of-authority cases to the Underwriting Manager or designated Hong Kong underwriting authority.
• Handle underwriting enquiries from internal distribution and service channels, providing clear case status and requirement explanations within approved protocols.
• Comply with underwriting governance, confidentiality, AML/CTF controls, information security requirements and applicable operating procedures.
• Identify recurring case, workflow or system issues and contribute observations and data to quality improvement, training and approved enhancement initiatives.
• Support knowledge sharing, calibration and ad hoc underwriting assignments as directed by the line manager.

KEY PERFORMANCE INDICATORS

• Case turnaround time and achievement of agreed SLA.
• Underwriting decision accuracy, consistency and documentation quality.
• Compliance with delegated authority, guidelines and control requirements.
• Productivity and timely management of assigned case inventory.
• Quality of enquiry handling and stakeholder service.

EXTERNAL & INTERNAL CONTACTS

• CTC Underwriting Manager and underwriting colleagues.
• Hong Kong Underwriting, Distribution, New Business, Operations and relevant risk or compliance partners.
• Approved medical, reinsurer or service-provider contacts where required by established process.

DECISION MAKING

• Make underwriting assessments and decisions within delegated authority and approved guidelines.
• Determine routine additional evidence or case requirements in accordance with established underwriting rules.
• Prioritise assigned workload to meet service and quality requirements.
• Identify and escalate cases involving complexity, exceptions, heightened risk or authority limits.

QUALIFICATIONS / EXPERIENCE

• University graduate or above; professional insurance or underwriting qualification such as FLMI, or equivalent, is preferred.
• Minimum 3 years of solid experience in life and medical insurance underwriting.
• Practical experience in medical and non-medical case assessment and underwriting decision-making.

KNOWLEDGE & TECHNICAL SKILLS

• Sound knowledge of life and medical underwriting principles, guidelines, evidence evaluation and risk assessment.
• Working knowledge of delegated authority, case escalation, confidentiality, AML/CTF and relevant operational controls.
• Strong analytical and problem-solving skills, with the ability to interpret medical, financial and non-medical information.
• Good written and spoken English and Chinese.
• Proficiency in Microsoft Word, Excel and PowerPoint and ability to work with underwriting workflow systems.

COMPETENCIES

• Sound professional judgment with clear accountability for decisions within assigned authority.
• Detail-oriented, quality-focused and risk-aware.
• Able to manage multiple priorities and work effectively under pressure in a changing environment.
• Effective communicator and collaborative team player across locations and functions.
• Self-motivated, disciplined and receptive to technical feedback and continuous learning.
• Customer and service oriented while maintaining underwriting independence and control standards.