Senior Underwriting Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Experience Level: Senior

Work Arrangement: Fully Remote

We are a globally focused insurance organization committed to delivering responsible, sustainable, and customer-focused risk solutions across diverse markets. Our teams collaborate across Underwriting, Actuarial, Claims, Risk, Broking, Sales, Compliance, Legal, Finance, Operations, and Technology to make informed insurance decisions and maintain strong portfolio performance.

Our underwriting function combines risk assessment, financial analysis, policy structuring, pricing support, portfolio management, regulatory compliance, and disciplined decision-making to provide appropriate insurance protection while maintaining sound risk standards.

We are seeking an experienced Senior Underwriting Specialist to assess complex insurance risks, evaluate applications, structure coverage, review policy terms, support pricing decisions, and manage underwriting quality across assigned portfolios.

The ideal candidate will combine advanced underwriting expertise with strong analytical, commercial, risk-management, and stakeholder-management capabilities. The role will work closely with brokers, agents, actuaries, claims teams, risk specialists, customers, and internal leadership to ensure risks are appropriately evaluated, priced, documented, approved, and monitored throughout the insurance lifecycle.

• Manage and assess complex insurance submissions across assigned lines of business.
• Review applications, underwriting submissions, risk information, financial data, loss histories, and supporting documentation.
• Evaluate the nature, severity, frequency, and potential financial impact of insured risks.
• Analyze exposures, risk characteristics, claims history, policy requirements, and relevant market conditions.
• Determine risk acceptability in accordance with underwriting guidelines, delegated authorities, and risk appetite.
• Recommend acceptance, modification, referral, or declination of risks based on documented underwriting criteria.
• Develop appropriate coverage structures, limits, deductibles, exclusions, conditions, warranties, and endorsements.
• Review and interpret policy wording, clauses, endorsements, schedules, and other coverage documentation.
• Assess risks across relevant insurance classes including property, casualty, liability, motor, marine, professional, financial, specialty, or other applicable lines.
• Analyze financial statements, business models, operational information, asset values, and other financial indicators where relevant to underwriting.
• Evaluate insured values, replacement costs, revenue exposures, payroll, turnover, asset concentrations, and other underwriting data.
• Review historical claims and loss experience to identify trends, recurring causes, severity patterns, and potential future exposures.
• Conduct risk analysis using quantitative and qualitative information.
• Perform scenario analysis and stress testing for significant or complex risks.
• Assess catastrophe, accumulation, concentration, geographic, operational, and other portfolio exposures where applicable.
• Review risk-improvement recommendations, engineering reports, inspections, surveys, and loss-control information.
• Coordinate with risk-engineering specialists to understand material physical and operational exposures.
• Support the development and review of underwriting pricing recommendations.
• Evaluate premium adequacy, deductibles, limits, risk quality, and other factors affecting underwriting profitability.
• Work with Actuarial and Pricing teams to understand rating assumptions, loss-cost information, technical pricing, and portfolio trends.
• Compar…