Hybrid Underwriting Manager – Machinery and Equipment

at Pottencial Seguradora S.A

• Job title: Underwriting Manager – Machinery and Equipment
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Location requirements: Hybrid, Belo Horizonte, Brazil

About the role

• Manage Pottencial's underwriting team, overseeing risk assessment and client interactions across insurance products. Ensure compliance with technical standards and internal policies.

Responsibilities

• Ensure risk assessment processes through management, strategy development and analysis of insurance proposals to guarantee compliance with the company’s credit and risk policies;
• Support the commercial, claims, customer service and sales teams through meetings, training and technical guidance;
• Participate in credit committees with executives and the underwriting team to decide on risk acceptance;
• Conduct client visits and roadshows to structure new business opportunities;
• Propose development of new features in Pottencial’s product system through meetings, technical guidance and validation of automated processes;
• Liaise with reinsurers and coinsurers on insurance proposals for facultative placements and special acceptances, and participate in negotiations for reinsurance contract renewals;
• Define strategies and performance indicators for automated underwriting models to scale operations and mitigate risks;
• Define and approve policies and standard operating procedures;
• Ensure compliance and execution of the guarantee issuance process by applying technical standards to meet targets and ensure business profitability;
• Manage information on outstanding premiums for the Guarantee and Lease Surety products, with autonomy to make case-by-case decisions and actions to prevent defaults in the portfolio;
• Manage and ensure the pricing policy for Guarantee and Lease Surety products for corporate (PJ) and individual (PF) customers, aiming to establish commercial terms for brokers;
• Manage the policy cancellation process and premium refunds for all products;
• Manage the onboarding/registration process to ensure compliance with technical standards, internal policies and service level agreements (SLAs);
• Manage individual underwriting for the Lease Surety product, participating in the development of strategies, policies and risk/credit approval processes to ensure product profitability and lower loss ratios for the company;

Requirements

• Bachelor’s degree or equivalent;
• Advanced MS Office skills;
• People management experience;
• Business management skills;
• Commercial management experience;
• Performance/metrics management;
• Preferred – Advanced knowledge of insurance rules and regulations;
• Preferred – Advanced knowledge of regulatory bodies;

Benefits

• Meal voucher (R$ 997.70 / month);
• Food allowance (R$ 771.13 / month);
• Bradesco Health Plan (Apartment coverage);
• Bradesco Dental Plan;
• Profit-sharing (PLR);
• Alelo Christmas basket voucher (R$ 771.13);
• Life insurance;
• Childcare or nanny subsidy (R$ 502.29 for children up to 6 years);
• 6-month maternity leave and 20-day paternity leave;
• Paid day off on your birthday;
• 13th salary advance in May;