Senior Underwriting Developer, Savings & Retirement

Senior Underwriting Developer, Savings & Retirement Job Description The Role

As a Senior Underwriting Developer, Savings & Retirement, you will be working closely with the AVP, Global Underwriting & Claims Development, Protection to support our strategic new entry into the Individual Retirement Income market, with a particular focus on developing individual lives annuities underwriting philosophy. This role will ideally be based in London to support the strategic entry to the UK & wider European retirement income markets.

As a Senior Underwriting Developer you will develop and implement an underwriting proposition that meets both client needs and is consistent with PL Re’s strategic focus, including the development of risk-based underwriting frameworks suitable for automation.

You’ll be working in a company that values your technical skills, the innovative ideas and solutions you bring into the work you do, and your ability to communicate those ideas effectively. As a member of the wider Savings and Retirement community the incumbent is expected to help promote a culture across Savings & Retirements consistent with the Pacific Life Re target culture and consistent with the company’s Principles and Behaviours.

Within Savings and Retirement, we have a vision to be Partnering with our clients globally to provide stability and confidence in retirement.

• Leading the development of individual lives annuities underwriting philosophy, defining underwriting intent, risk segmentation, decision frameworks, and boundaries aligned to Pacific Life Re’s strategic objectives.
• Monitor and evaluate competitor and market underwriting rule developments, identifying opportunities to enhance competitive positioning and proactively mitigate risk within Ocean annuities content.
• Develop, document, and maintain research-based loading (RBL) papers that translate research, experience, and market insight into clear, defensible underwriting positions suitable for automation.
• Lead and coordinate research-based Ocean content reviews, including evaluation of emerging risks, medical, financial, and behavioural factors relevant to individual annuities underwriting and claims.
• Define and maintain a clear Ocean content roadmap for individual annuities underwriting, with pragmatic prioritisation and alignment to business and client needs.
• Partner closely with existing life insurance underwriting developers to ensure annuities underwriting philosophy is clearly articulated, logically structured, and fit for translation into automated underwriting rules.
• Review, challenge, and approve proposed annuities underwriting content and logic developed by others, ensuring consistency, quality, and adherence to agreed risk philosophy.
• Contribute as required to Ocean content deployments (e.g. clarification of logic, testing/coding support, expert input).

• Design and maintain governance frameworks, standards, and documentation for individual lives annuities underwriting content, including change control, peer review, and sign-off processes.
• Support risk assessment, due diligence, and underwriting input for annuities tenders and quotes, ensuring underwriting positions are clearly articulated and commercially defensible.
• Lead the development and delivery of internal training on individual annuities underwriting and claims philosophy, Ocean content, and research-based decision-making for underwriting and commercial stakeholders.
• Contribute to internal and external thought leadership, including guidance papers, presentations, and articles aligned with annuities underwriting and clams research and Ocean content developments.
• Strengthen collaboration across Underwriting & Claims Development, R&D, Medical Analytics, Strategic Analytics, and commercial teams to support product innovation and the evolution of annuities underwriting capability.

• Ability to translate research and evidence into clear, defensible underwriting outcomes, including leading the development of underwriting philosophy, guidelines, and content documentation.
• Strong experience analysing and interpreting data to shape underwriting…