Senior Underwriting Analyst

Caixa Vida e Previdência

Lead underwriting for Life and Pension products, handling complex risk assessments and portfolio governance. Drive process improvements, automation and cross-functional collaboration to increase efficiency and competitiveness.

Posted 7/8/2026full-timeSão Paulo • 🇧🇷 BrazilSeniorWebsite

About the role

Key responsibilities & impact

Serve as the strategic reference for Life Insurance and Pension underwriting, supporting business, operations, sales and leadership in decision-making related to risk acceptance and portfolio governance.
Identify opportunities for innovation, digital transformation and underwriting process optimization, proposing solutions that increase operational efficiency, improve the customer experience, and enhance accuracy and speed in risk evaluation.
Lead studies and tests of new underwriting approaches, including the use of data, analytics, artificial intelligence, predictive models and alternative information sources to improve decision-making and business flow.
Actively participate in the company’s strategic and transformation projects, contributing technical insight and innovative proposals focused on sustainability, profitability and competitive advantage.
Perform technical analysis and underwriting of medium- and high-complexity risks, evaluating eligibility criteria in compliance with internal policies and applicable regulations.
Conduct technical studies to define, review and improve underwriting rules, policies and manuals, ensuring a balance between commercial competitiveness, profitability and risk control.
Provide consultative support to internal areas, clarifying questions related to underwriting criteria, products, coverages, contractual clauses, special risks and regulatory aspects.
Prepare technical opinions and recommendations for complex cases, supporting governance forums, committees and decision-making bodies.
Lead and validate system implementations related to underwriting processes, evaluating business rules, parameter settings, operational flows and regulatory compliance.
Monitor underwriting and portfolio quality metrics, identifying trends, risk deviations, improvement opportunities and proposing corrective or preventive actions.
Conduct market studies, benchmarking and evaluations of new underwriting practices to achieve efficiency gains, automation and improved experience for internal and external customers.
Draft and review normative documents, manuals, operational procedures and training materials related to Life and Pension underwriting.
Act as the focal point interfacing with Product, Actuarial, Sales, Legal, Compliance, Technology, Operations and business partners, ensuring technical and regulatory alignment.
Produce executive presentations, management reports and technical materials to support leadership, committees and governance bodies.
Monitor regulatory changes and insurance market trends, assessing impacts on underwriting policies, processes and company products.

Requirements

What you’ll need

Bachelor’s degree in Actuarial Science, Business Administration, Economics, Law, Nursing, Engineering, Risk Management, Finance or related fields.
Solid experience in Life and/or Pension underwriting, with hands-on experience in analyzing and accepting risks of varying complexity and knowledge of applicable legislation (SUSEP / CNSP).
Knowledge of continuous improvement methodologies, process management and digital transformation.
Familiarity with automated underwriting processes, decision engines and risk analysis tools.
Clear and assertive communication skills, both verbal and written, with the ability to translate technical concepts into accessible language for diverse audiences.
Ability to work in multidisciplinary environments with multiple stakeholders and simultaneous demands.
Experience with portfolio metrics, claims analysis and actuarial studies applied to underwriting.
Proficiency in Microsoft Office, particularly Excel and PowerPoint for analyses and executive presentations.

Benefits

Comp & perks

Profit-sharing
Flexible working hours
Meal and food allowances
Wellhub
Commuter allowance
Health insurance
Dental plan
Pharmacy assistance
Childcare and nanny allowance
Life insurance
Travel insurance
Pension plan
Maternity kit
Maternity leave
Paternity leave

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Risk AcceptancePortfolio GovernanceTechnical AnalysisContinuous Improvement MethodologiesAutomated Underwriting ProcessesClaims AnalysisActuarial StudiesMarket StudiesBenchmarkingDecision Engines

Soft Skills

Clear CommunicationAssertive CommunicationMultidisciplinary CollaborationProblem-SolvingConsultative Support