Senior Underwriter

Hi, we’re Gravie. Our mission is to improve the way people purchase and access healthcare through innovative, consumer-centric health benefit solutions that people can actually use. Our industry-changing products and services are developed and delivered by a diverse group of unique people. We encourage you to be your authentic self - we like you that way.  We are looking for a Senior Underwriter for Gravie’s Comfort health insurance products who has strong expertise in the level-funded space.  This role will drive successful underwriting of Gravie’s insurance business and will play a key role in helping Gravie win and retain customers. Our focus is on pricing middle market and small group business nationally, leveraging our innovative capabilities. The underwriting focus is on managing the overall risk for the customer and for Gravie, whether it is a level funded approach for appropriately sized small-to-midsized group employers or self-insured (ASO) with integrated stop loss arrangements for larger groups.  As a Senior Underwriter, you will also be responsible for risk reviewing cases from the Underwriting team. YOU WILL: ●      Play a key role in using Gravie’s proprietary underwriting algorithms to offer competitive pricing for a first-of-its-kind health plan to employers and their employees across the country.●      Own and quarterback the pricing for certain segments of new and renewal employer group cases, often for the more complicated accounts, on Gravie’s proprietary products.●      Underwrite level-funded and self-funded cases with both individual and aggregate stop loss offerings, relying on claims experience, medical health questionnaires and other related data/information.●      Review underwriting case preparation work from analysts and request and/or add analyses as necessary to accurately assess risk and recommend pricing for cases. This requires providing direction and recommendations as well as well as making recommendations to Underwriting Management and Business Leadership.●      Identify missing information or additional information that would be helpful; work with other teams to source this information, and in some cases, find creative ways to move ahead without it.●      Learn the ins and outs of Gravie’s proprietary underwriting algorithms; add your experience and judgment when underwriting cases; and contribute to the improvement and evolution of Gravie’s underwriting practices.●      Support training, mentoring and quality review efforts.●      Collaborate with Gravie teams and third party underwriting and actuarial vendors to transition Gravie’s underwriting function from out-sourced to in- sourced.●      Work closely with Sales Operations, Underwriting, and Analytics teams, as well as third party vendors, to manage Gravie’s busy and growing pipeline of quotes successfully and efficiently●      Work closely with Account Management on strategies and pricing to support the retention of existing customers.●      Help develop and refine the underwriting strategies, guidelines, and tools to enhance the overall performance of the business and process.●      Join a team of smart, hard-working, and devoted colleagues at a successful and rapidly growing startup.●      Have potential career path opportunities based on performance as part of a dynamic and growing organization.
YOU BRING:●      Bachelor’s degree Business, Finance, Economics, Statistics, Mathematics, Insurance or other related majors●      3+ years of relevant group health level funded and/or stop loss underwriting●     Experience with small group (50 - 99) underwriting●     Strong analytical aptitude and problem-solving skills●      Quantitative proficiency and a love of working with numbers●      Strong Microsoft Excel skills●      Excellent attention to detail●      An appetite for learning and quickly putting what you learn into practice●      Strong verbal and written communication skills●      Habits of excellent organization, time management, and responsiveness●      Decision making skills●      Ability to work independently and as part of a team.●      Demonstrated commitment to core Gravie competencies of being authentic, curious, empathetic, creative, and outcome oriented EXTRA CREDIT:●      Background or interest working for a startup●      Experience with MARA or Gradient AI or other RISK modeling tools●      Master’s degree or other related educational experience●      Formal or information experience with managing individuals Gravie: In order to transform health in