Senior Underwriting Manager

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age.

Our full‑stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, Soft Bank, and the investment vehicles of Jay‑Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and Built In's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

Senior Life Underwriting Manager will play a critical role in overseeing and driving the performance of US based life underwriters s leadership role is responsible for managing and optimizing life underwriting production, ensuring a seamless, customer‑centric, and profitable underwriting process while maintaining the company’s risk management and compliance standards.

The role will lead a small team of underwriting professionals who are focused on production underwriting as well as cross functional projects. They will collaborate with other departments and utilize data‑driven insights to implement best practices, streamline operations, and improve underwriting efficiency. This position requires a strong combination of leadership, technical underwriting expertise, and operational management experience.

• Provide leadership, vision, and direction to the life underwriting team, fostering a culture of excellence, collaboration, and continuous improvement.
• Develop and implement underwriting policies and processes that improve operational efficiency, enhance customer experience, and support profitable business growth.
• Mentor and develop a high‑performing team of underwriters and build a strong bench of future leaders.

• Ensure that the underwriting team operates within established quality and productivity standards, compliance frameworks, and regulatory requirements.
• Oversee the day-to-day operations of the production underwriting and underwriting special projects, ensuring that policies are underwritten in accordance with company guidelines, regulatory standards, and risk tolerance.
• Monitor and manage underwriting capacity and resource allocation to ensure service level agreements (SLAs) are met, underwriting quality is maintained and projects are delivered on time.
• Support carrier partners with day to day operational needs to help the teams meet their long term strategic goals.
• Collaborate with underwriting strategies and engineering teams to implement innovative technologies (e.g., automation, AI, machine learning) that improve underwriting accuracy, speed, and efficiency.

• Leverage data analytics to assess the effectiveness of production underwriting practices, identify trends, and improve decision‑making processes. Develop and present key performance metrics (KPIs) and operational reports to senior leadership, providing insights into underwriting performance, productivity, and profitability.

• Bachelor’s degree in Business Administration, Finance, Actuarial Science, Insurance, or a related field (Master's degree preferred).
• A minimum of 7+ years of experience in life insurance underwriting, with at least 3 years in a leadership role.
• Extensive knowledge of life insurance products, underwriting processes, and industry regulations.
• Proven experience in leading and…