JOB PURPOSE

To assess, evaluate, and make sound underwriting decisions on medical insurance risks in accordance with established underwriting guidelines, risk appetite, and regulatory frameworks.

ROLES AND RESPONSIBILITIES

• Client relationship management – Build and maintain strong relationships with key stakeholders including clients, intermediaries and healthcare service providers
• Compliance with regulatory requirements and departmental set guidelines
• Credit control – Ensure effective credit control practices, working with accounts to minimize unpaid premiums
• Endorsing and invoicing client accounts - Ensure timely and accurate processing of policy endorsements and invoicing activities for client accounts, maintaining billing integrity, customer satisfaction, and compliance with insurance regulations
• Ensure completeness of insurance documentation - Maintain accuracy, compliance, and operational efficiency by ensuring all required insurance documents are complete, current, and properly filed according to regulatory and organizational standards.
• Ensuring formal underwriting guidelines including rate, policy wording and reinsurance terms are complied with
• Follow up renewal notices to ensure retention - Monitor, manage, and execute a structured renewal communication to ensure timely follow-up on upcoming scheme expirations. Coordinate with cross-functional teams to resolve renewal obstacles, reinforce product value, and close renewal commitments.
• Intermediary and client visits - Build and maintain strong relationships with intermediaries (brokers, agents) and corporate or individual clients through regular face-to-face engagements, enhancing customer satisfaction, driving business retention, and identifying growth opportunities within the medical insurance portfolio.
• Maintain and account for accountable documents in EDMS - Manage, track, and maintain accountable documents such as policy contracts, underwriting approvals, claim decisions, premium invoices, and client correspondence within the EDMS platform. Ensure all critical documents are properly categorized.
• Prepare invoices for premium payment.
• Prepare premium computations and booking for pre-rated products - Accurately calculate, validate, and record premiums for standardized (pre-rated) insurance products to ensure correct billing, policy setup, and revenue recognition in compliance with organizational policies and regulatory standards.
• Respond to customer/intermediary queries and complaints - Deliver prompt, accurate, and empathetic responses to customer and intermediary queries and complaints, ensuring high service standards, policyholder satisfaction as per the set service level agreements.
• Support the claims staff on a day to day basis to ensure a seamless service to clients
• To liaise with intermediaries and maintain positive business partnerships.

ANTI-MONEY LAUNDERING (AML) EXPECTATION

The incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality. Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.

SKILLS AND COMPETENCIES

• Good communication skills-
• Computer literate
• Good assessment and analytical skills
• Ability to interact with colleagues and business partners

EDUCATION

• University degree
• Qualification in Insurance; COP, Diploma in insurance

EXPERIENCE

• At least 3 years of experience; knowledge of the insurance industry is an added advantage.

• Client relationship management – Build and maintain strong relationships with key stakeholders including clients, intermediaries and healthcare service providers
• Compliance with regulatory requirements and departmental set guidelines
• Credit control – Ensure effective credit control practices, working with accounts to minimize unpaid premiums
• Endorsing and invoicing client accounts - Ensure timely and accurate processing of policy endorsements and invoicing activities for client accounts, maintaining billing integrity, customer satisfaction, and compliance with insurance regulations
• Ensure completeness of insurance documentation - Maintain accuracy, compliance, and operational efficiency by ensuring all required insurance documents are complete, current, and properly filed according to regulatory and organizational standards.
• Ensuring formal underwriting guidelines including rate, policy wording and reinsurance terms are complied with
• Follow up renewal notices to ensure retention - Monitor, manage, and execute a structured renewal communication to ensure timely follow-up on upcoming scheme expirations. Coordinate with cross-functional teams to resolve renewal obstacles, reinforce product value, and close renewal commitments.
• Intermediary and client visits - Build and maintain strong relationships with intermediaries (brokers, agents) and corporate or individual clients through regular face-to-face engagements, enhancing customer satisfaction, driving business retention, and identifying growth opportunities within the medical insurance portfolio.
• Maintain and account for accountable documents in EDMS - Manage, track, and maintain accountable documents such as policy contracts, underwriting approvals, claim decisions, premium invoices, and client correspondence within the EDMS platform. Ensure all critical documents are properly categorized.
• Prepare invoices for premium payment.
• Prepare premium computations and booking for pre-rated products - Accurately calculate, validate, and record premiums for standardized (pre-rated) insurance products to ensure correct billing, policy setup, and revenue recognition in compliance with organizational policies and regulatory standards.
• Respond to customer/intermediary queries and complaints - Deliver prompt, accurate, and empathetic responses to customer and intermediary queries and complaints, ensuring high service standards, policyholder satisfaction as per the set service level agreements.
• Support the claims staff on a day to day basis to ensure a seamless service to clients
• To liaise with intermediaries and maintain positive business partnerships.
• The incumbent will be responsible for ensuring adherence to, implementation of, and adoption of Compliance, Anti-Money Laundering (AML), and Sanctions-related policies, procedures, and process requirements within Old Mutual and its subsidiaries. This includes execution of customer due diligence processes, ensuring compliance with Know-Your-Customer (KYC) standards, conducting ongoing and enhanced due diligence, and maintaining data quality. Additionally, the role involves identifying and monitoring potential AML, Sanctions, or Compliance breaches and unusual activities, and escalating these concerns to the Risk and Compliance Office for further action.

• Good communication skills
• Computer literate
• Good assessment and analytical skills
• Ability to interact with colleagues and business partners
• Business
• Client Relations
• Ensure Compliance
• Know Your Customer (KYC)
• Regulatory Requirements
• Service Level Agreement (SLA)
• Teamwork
• Underwriting Management

• University degree
• Qualification in Insurance; COP, Diploma in insurance